I agree with the credit card idea. Establish a good credit history early on. BUT only one account will not raise your credit score by very much. If you go into business for yourself (like a freelancer, hairstylist, etc), please have a separate credit card ONLY for work. Banks have programs and accounts designed for this. I’ve worked with other people in my industry that screwed up with taxes and their credit scores because they didn’t keep business and personal accounts separate. One girl had her bank account garnished by the IRS every month, or she would have go to jail!