<prompt> Human: As the title says, I dont have any credit. Im 23. Ive never taken a loan, never had a credit card. Never been an authorized user on a card or bought a new car or house or done anything that would give me any kind of credit score.Is this a good or a bad thing? I managed to get through college without any debt through scholarships and working but as Im about to start my career, I cant help but wonder if this will hurt be in the long run when I find myself in the market for a house or a new car.If I do need to start building credit, what is a safe and practical way to do so that wont cause me to end up with a mountain of debt?  <response>: Get a credit card. Use it for what you normally would. Pay it off at the end of the month. Repeat until good credit. 