<prompt> Human: We rent currently. I have student loans that should be paid off around February or March next year. I have a bad mark on my credit from a credit card when I was 18, maxed it and defaulted because who cares, Ill never make it to 20 Ive grown up since, that debt was paid off a couple years ago, my credit score is still below 600, but getting close. I have a credit card with a low limit, dont use it much, just keep a 30-40 balance on it and make payments a little early. We pay 650 in rent atm and have for 3.5 years now. 2 cars owned, paid cash. Just looking for real advice to help with building my credit, I would like to be in my own home before 30. I know nothing about getting into a home, been on my own since 17 and always rented. My mother was given her house when my grandma died, so not many people around to get advice from.  <response>: Your focus should be solely on advancing your career. What are you doing towards that goal and how is your college degree helping you? 