<prompt> Human: Like the title suggests I turn 25 on Monday and I have never had a credit card or bought a car on my own credit. To add to the obvious fact that I really just need to get my shit together my landlord just told me the apartment owners want me on the lease for my girlfriends and my apartment and I need to have at least a 675 score though no deadline was given. I have a couple grand in my checking account and have an okay full time job. Any advice?  <response>: Getting your score to 675 is going to be a time intensive process. There isnt a short cut thats gonna get you there in a few weeks. You should just tell them straight up that you have no credit. Just say youve always paid everything in cash because youve been weary of accruing debt. You have a stable job that you can provide pay stubs for. If thats not good enough for them, you can suggest an extra large security deposit or paying rent a few months in advance In terms of gaining credit, you should read the wiki on the side bar. Apply for a credit card it might be a secured one, pay it off entirely monthly and just wait until your score increases 