Rodney

I bought a house once with no credit history. Not even a car loan. They looked at my savings, my down payment, my work history, my income, and references from landlords. I didn't even need a co-signer. And this was way back before anybody who was warm and breathing could get a home loan.

Save your money first, spend it second, and stop worrying. For convenience, get a debit card on your checking account.

Sometime in the next five years, "credit" and "debt" are going to become dirty words. Avoid both.