[MATCHBX]

A small personal loan from a bank or, in my case, a credit line on a tool truck is the type of revolving account I was talking about. Anything where you are showing the credit bureaus that you can make monthly payments on time. The key is consistancy. Each of those type of accounts will have an accounting of how well you paid each month. If you are current and not late, it will show a "c" for each month. When they look at you credit report and see a whole line of "c" in each of the accounts, they are more than willing to give you anything you want. Just make sure you don't write bad checks and keep on top of any monthly payments that you have to make. Your credit will be built in no time.

And you have a distinct advantage to alot of us. You are still young, so you can build a huge credit score by the time you are in your early 20's and be able to have alot of nice things that most of us had to work longer for. I screwed up my credit out of high school and it took me almost 15 years to get it straightened out enough to buy a house and have a good, newer car. Just remember, what you have to do without now will only make it that much more appreciated when you can truly afford it.