<prompt> Human: My main questions is, how the heck to i build credit? as of 630 i made my first student loan payment and set up direct debit. i just graduated with and associates in applied science- Computer information Technology and i am currently working in a IT help desk position for a school system. It is not a salary position though i am an hourly tech. Luckily my parents still let me live at home and i have my own truck. another problem is i need a new truck soon and i really want to just buy a new truck because i know you can build credit that way. payments would be about 350 a month 6 to 7 years. Reason for a truck is i do a fair amount of carpentry side work to justify needing a truck. also living in new England having 4x4 drive is a necessity. ---Edit--- Spelling and Grammar  <response>: i really want to just buy a new truck because i know you can build credit that way.Dont pay unnecessary interest to build credit. Since you have student loan, you already have some credit, and you should try applying for a credit card. If approved use it for everyday purchases, pay off the entire statement balance every money, and you willl build a great credit, without having to pay any interest in the process. 