No Credit Card yet, been trying to get one though :roll: .
Just a small loan for this past semester, and a few more to come over the next 3 years.

Credit is not just based on credit cards. You have a loan you have credit. By the way you should check your credit at least once a year for fraud. Its free anyways

www.annualcreditreport.com is the only one that is free(mind you that you have to pay to get your FICA Score though) the free part of it will show you your loans out or that have been taken out, outstanding balances, people that checked your credit, and more again it will not give you your score unless you pay for it.

Freecreditreport.com IS NOT FREE so dont waste your time.

The great thing about having a lot of debt and paying it off on time is the fact that I have a decent fica score. 755 the last time I checked :-)

I am at 707 but was at 748 back in July :? not sure why that is.