<prompt> Human: Okay so just a run down, I am 25, I have never owned a credit card, and recently I checked my score and I am at 580 in that area. Now due to my age I think it is probably a good time to get proactive about my credit. Thing is, no idea where to start, what questions to ask, or the best option for my personal situation. Other things that might be of note, I just recently graduated and have about 10k in student debt, but I am still in my forgiveness period which last about 6 months but will be over soon. I know the loans will affect credit as well so I am going to tackle the payments there but I dont know if this is relevant to my original statement but it couldnt hurt.  <response>: The best place for you to start is in the wikis --- right sidebar ---Read the 18 to 25 wiki, the 25 to 35 wiki, the credit and debt wikis, the retirement wiki, keep reading and informing yourself.If you have specific problems with any of the wikis, ask your specific questions! 