Adult fuucking no credit card
About Credit Bureaus: There are three credit bureaus—Equifax, Experian, and Trans Union.
The bureaus maintain databases of everybody’s credit history and package this information as reports and scores to sell to banks, landlords, employers, etc.
It will take about two years to build a “decent” credit score.(If you’re curious, here’s a big guide to what credit scores are, what they mean, etc.) The first step to building credit is to open an account that reports your payment history to the credit bureaus.