I'm not good at financial advice, but I'll throw my opinion in. I'm 22 and have a higher credit score than you, and basically everyone I know. I "bought" a car with a loan, and showed it to my brother.
He's a man who used to have a lot of debt, and is finally paying it all off, with his wife.
What he said was,
"When you're young, credit is a curse."
From what I understand, it's EASY to get easy credit when you're young, and living at home. All you need to do is make simple payments of low amount of money, and your credit score goes up after as couple years of easy bills.
Then when you check your credit score, your ego goes up, and you think you're a king who can "buy" anything he wishes.
The only way I'd touch a credit card was for monthly expenses such as gas and groceries. Only so I can pay the credit card off that month, as if I didn't even use the card.
Even then, I'd rather pay with my own money, always. I see too many people my age getting into debt they should never have, had they spent too much of other people's money on too many crap that they didn't ever need.
I tell myself when I'm tempted, "Why buy this expensive looking piece of clothing, when you can't even afford it. You're not a faker. If you can't buy things that you can't afford, stop being pretentious."
