<prompt> Human: So Im a year out of college and I have been living at home saving my money. I understand credit is important for big purchases like a house, but I dont really know what I should do to better establish my credit.Currently I have a secured credit card through my bank with a 500 limit from high school which I used to start establishing credit. I have yet to get a big boi credit card. What would you guys recommend as per spending and payments to help better strengthen my credit? Thanks in advance!I can also provide more info afterwards in an edit if need be  <response>: You need favorable employment history, credit score, debt-to-income ratio, and down payment to get a mortgage. More than that, you have to know where you want to live indefinitely, since its expensive to buy a house and expensive to move. 