<prompt> Human: Hey guys, definitely not complaining but Ive got a bit of confusion about this subject. I turned 18 on the 15th of last month and I went into my bank a few days later to apply for a secured loan credit card Where you give the amount of money that you want to be your limit up front and continue to pay it off until you close the card, at which point you get your original money back. I still havent received the card, but I did get a paper in the mail yesterday that says MY CREDIT SCORE IS 782, and IM IN THE 74TH PERCENTILE FOR GREDIT SCORE. Basically Im just asking why I even started with credit... Assistant: You are probably living in the shadow of someone elses credit, as an authorized user on some account.You want to have your own credit in your own name, but you dont need to have a secured card to do so, in most cases anyway.Human: Would this score allow me to put a down payment on a house?  <response>: You are 18, I sure hope not.Theres no point in putting a down payment on a house unless you have a mortgage to go along with it, and getting a mortgage requires some things that most 18-year-olds dont have, like employment history. 