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Im young 24 years old I dont have any credit I dont have any debt any student loans or anything I just want to start building my credit so I can start to know you know maybe buy a car someday get my own apartment here in New York City I just want to know whats the best possible way to start building my own credit establishing good credit has never been more important you need a solid credit history to qualify for decent rates when youre ready to buy a home or a car but your credit record may also be looked at when you apply for a job buy a cell phone or need car or home insurance the good news is that if youre just starting out and have no credit you dont have any blemishes on your credit record like a late payment or bankruptcy which can haunt you for years to establish your own credit start by getting a copy of your credit report from each of the three major credit rating bureaus you can get a free annual look at your reports from annualcreditreport.com even though you dont