<prompt> Human: Hello rpersonalfinance,Looking for some general guidance on behalf of my girlfriends financial situation, a little different from most posts Ive seen in my lurking... GF is 24 years old, college graduate, has a solid 45k contract gig at Amazon, contributing 15 of income to a Roth IRA, saving about the same amount for future big purchase think home. Were very fortunate to have this problem, but she has an almost non-existent credit score due to no formal loans or debt in her name. Parents helped support her through school, car is fully paid off, and no plans to take out any sort of loans in the near future. Issue is I know well have a problem come the day when we decide to make a large purchase together long term GF, will be my wife one day. So, any general advice to help bolster a brand new credit score? She just got her first credit card, a 3 cash back card from USAA. Ive coached her on the importance of not carrying a balance, spending within her means, etc. and will use the card mainly for groceries. Kind of stumped about what else she should do from here however lol. Thanks so much in advance! Please let me know if you need any more details about either of our situations.  <response>: No need to go into debt to build a credit score. Just open three or so credit cards over the next couple years and never carry a balance. 