<prompt> Human: I recently landed an IT job that pays 50k a year. I want to own a home soon. I currently live with my parents. I would like to live in an apartment to build credit history, however my area has an overwhelmingly high cost of living. Average rent for a 600sqft. apartment is about 1300 a month. It is cheaper to get a 15 year mortgage on newly built homes here. We are experiencing an economic boom and rent and property prices will likely sky rocket. I have around a 700 credit score with low credit history. Ive only been using credit for my vehicle. Should I get an apartment and a credit card to build credit history? Would it be smarter to stay at home until I can afford a down payment on a home? I really dont want to live with my parents considering my age. Where should I go from here?  <response>: An apartment wont build credit history in most cases. Get a credit card, for sure. Pay it off in full every month.Stay at home. Save up 20 for a down payment on a house. Youll be ready to move before you know it. 