I dont have credit. I've been attending college and following directly grad school. I've heard colleagues who are in a similar situation as I am and have been "earning" credit through paying small rates of credit cards. I'm clueless on that topic, yet I know its very stressful for a lot of people. I understand is necessary if someday I want to move to an apartment, rent a place on my own and show by my credit score I'm trustworthy etc. Yet still I dont know if I should do it, considering I'm still attending school and also I depend on student loans and a part time job in school.