# Building Credit at 18 – One Card, One Small Bill, Paid in Full

- Source: Money Crashers
- Published: 2026-10-20T16:00:00+00:00
- Category: Markets
- Original: https://www.moneycrashers.com/build-credit-at-18/
- Canonical: https://groundlevelnews.com/story/building-credit-at-18-one-card-one-small-bill-paid-in-full-5edfd9/

At 18 you likely have no credit history, and FICO can’t score you until an account is at least six months old. The clock starts when your first one opens. That account doesn’t need to do much. Payment history makes... Source

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