Credit is a nice thing to have but I took my fathers advice at a young age. I am 48 now I've owned 7 houses with property, and currently own my home bought both my sons homes own a commercial property and have over 500 acres of hardwoods that I hunt on, and can be honest and say I've never made a loan to buy any of it. My advice is save buy a cheap house or trailer cash. Save save save then upgrade sell the one you have and repeat. Remember building credit can be a good thing but building credit always means you in debt. If you buy cash and save you won't have a lot of credit, but you will have assets, and assets can be traded or sold to upgrade to what you want without worrying about payments. You never come out ahead if you make a loan for anything cause you always pay someone else( ussually banks) more than you borrowed and for what so you have enough credit to borrow more. Just remember we fought for the right to have our own country because we were tired of paying someone else taxes to live here. Now look what borrowing got us 20 trillion in debt.
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