<prompt> Human: Im 18 and never really had any sort of great parenting. I was taught good money management by my grandfather but that was about it. I know Im going to need credit for lots of stuff in the future.How do I build credit? Is there any sort of fail safe way that I cant particularly screw myself over on? Thanks for any help!  <response>: Amazingly simple formula for building credit:Borrow money but not too much. Pay it back on time. Repeat monthly.Start with a credit card. Get a secured card if you cant qualify for a regular card. Use it regularly and pay off the balance in full each month. 