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This means that even if you're making payments on the loan, it may not be reflected on your credit report because the loan isn't in your name.If this is the case, consider asking to be added as an authorized payer on the account.Your credit is often used to decide if you'll be approved for things like an apartment or an auto loan.And because the age of your credit accounts is typically one factor that is used to calculate your credit score, it's important to start building a history as soon as possible.So what can you do to build credit if you don't want to get a credit card? Did you know that Vantage Score 3.0 may factor in positive rental-payment data to your score if the payments are included on your credit report?

And if they do find employment, they're not sure how long it'll last.By CARRIE DEAKINMany young adults are shunning credit cards.According to a 2014 Bankrate survey, 63 percent of 18 to 29-year-olds don't have a credit card.The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.Compensation may factor into how and where products appear on our platform (and in what order).

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