<prompt> Human: I have a 0 credit score. What do I do?  <response>: One if the biggest factors in building a credit score is the age of accounts. If you decide now that you want to go without credit, but then down the line you decide do want to start building credit, youll be at a disadvantage.My advice would be to open a secured card with a local credit union or, if youre in college, look into opening a student card with Capital One or Discover. Use it for just a few purchases a month like gas, and as soon as the statement posts, pay it off. Dont carry a balance, and dont pay interest on it. If you couldnt buy the thing in cash right that minute, you cant buy it with your card either. After a few months youll start to have a credit score, and itll start going up as your age of accounts starts increasing. 