<prompt> Human: Im fresh out of college and I have absolutely no credit history. Yesterday I went with my mom to a vw dealership where she ended up leasing a car. her credit is over 750 the guy with vw finance said I could he could put me as a cosigner and my credit would skyrocket from non-existent to over 750 in just under a year assuming all the payments are on time. The catch is that if I cosign the monthly rate for the lease will go up by 35 dollars. My question is, is it worth me pretty much paying a fee 35 dollars a month for the next two years around 850 in total as my mom is definitely returning the car at the end of the lease. Just to build up a bit of credit? Or am I better off with the old fashion way? ie:secured cards or having my mom cosign a loan if and when I need it? Ive got to call the vw finance guy in the next few hours to let him know if I want to come back to the dealership and resign the loan before he takes it to the bank.Thanks in advance guys!  <response>: You can build credit for free by using any established route, or pay 420 a year.The choice is obvious.also if your mom is willing to cosign stuff for you, you can probably get better than a secured credit card. or have her add you as an AU on one of her cards to get you started. 