building credit

building credit

I know this is asked often.... I want to build better credit so when I go to buy big purchases down the road in say, 5 years, I can get reasonable rates and therefore save big when Mommy and Family won't help anymore. They don't pay for everything now, I don't want to sound like a free loader, but I do get health insurance from them, and I live with them 2 months out of the year, and they help me when I need it, exc. However, I am currently up to my eyeballs in alot of student loans (totaling about 20,000), and screwed up on a Macys card about two years ago, because I had the bill sent to the wrong address so I didn't get the bill till it was 5 months late and it spiraled from there. Now, I assure you, I am more responsible. I have a job with a decent amount of money for my lifestyle, and I am still a student so I am able to get student discounts, cards, exc. What do you believe would be a good way to go about building credit? Currently, the only bills I have are my utilities which are paid on time every month, and a debit visa card which always has some money stored on it. I get some Mastercard offers every month, but If i do go the way of a card, I want one without an annual fee if possible. I was denied for a AmEx Blue and an AmEx student Blue. I'm not sure if credit cards are the best way, but since the only account open is my debit visa for 4 years, I don't know what else might help(besides paying everything on time, duh).
Our big garden project

Our big garden project

I moved :(

I moved :(

My apartment

My apartment

Asakura – a Japanese sasanqua with large flat semi-double white flowers and upright growing habit

Asakura – a Japanese sasanqua with large flat semi-double white flowers and upright growing habit

A past winter pic…

A past winter pic…

Please~help settle a debate!

Please~help settle a debate!