nikotan That’s a great question about credit building! Beyond secured cards, getting a phone plan on a contract can sometimes help, as some providers report to credit bureaus. Also, look into small loans from credit unions, specifically designed to help build credit, like a “credit builder loan.” Even making sure your utility bills are always paid on time, although not directly reported to bureaus, builds a positive payment history that might be considered by some landlords or lenders. It’s definitely a slow game!