<prompt> Human: Im turning 19 soon so with a stable job and going to college Im interested in my credit score. I checked the infamous Credit Karma site and put all the info in but then after all that its telling me my stuff is wrong in one of the areas ex. Address, name, etc. I try every possible address Ive ever lived in and nothing. Its not my social I hope not so Im really stuck in terms of what to do in order to get this straightened out. I tried applying for PayPal credit and that didnt work. I tried Home Depots credit Work here btw and they said they cant track down my information either! This isnt one of those identity theft things is it? Assistant: Home Depots creditLike a credit card or actual credit? If the former: whats so attractive about the Home Depot Credit Card?Human: The idea of paying over time vs. pay all at once kinda strikes me for more useful. Making monthly payments as low as say 25mo on a washer or other things like that. Bear in mind Im young and dumb so this sounds amazing to me  <response>: Making monthly payments as low as say 25mo on a washer or other things like that.This kind of thinking is usually how one gets sucked into the cycle of credit card debt. Sure, theyll let you pay 25mo on that washer. But then instead of paying 500 for the washer you end up paying 500 for the washer AND over 100 in interest. Then you convince yourself its a good idea to add a dryer to that too, since it doesnt change your minimum monthly payment right? Congrats, now youre paying 1000 for the washerdryer AND over 300 in interest. Hey, thats not that bad... what about these other appliances? Pretty soon youre making a post on PF Help, Im 25 and 60k in credit card debt.Credit cards are wonderful tools for those who are in a position to use them well. Best to start by using them as basically cash: purchase only what you can afford to buy right then, and pay off the statement balance in full every month. The sidebarwiki has some great resources designed exactly for you, particularly the 15-2018-25 and credit cards bits. 