Being 20 and without any credit history can feel like being the only kid at a birthday party who didn’t get an invite. You see everyone else having fun, getting their first apartments, and living their best lives, while you’re left to wonder if you made a mistake by not building credit earlier. But let’s take a deep breath together; it’s not the end of the world. In fact, it’s a great time for you to jump into the world of credit with both feet.

First off, let’s clear the air. It’s not uncommon for people your age to be in your shoes. Many young adults focus on enjoying their college years or starting their first jobs instead of thinking about credit scores, which can feel as intimidating as trying to understand the plot of Inception on the first watch. But here’s the scoop: building credit is like leveling up in a video game. The sooner you start, the faster you can rise to the top, unlocking all those sweet rewards like better interest rates and approvals for everything from apartments to car loans.

You might be thinking, "Is waiting a mistake?" Well, yes and no. While it’s definitely beneficial to start building your credit early, it’s never too late to start. Think of it as starting a Netflix series that everyone has already binged. You might feel a bit behind, but once you dive in, you’ll be hooked and wondering why you waited so long. The key is to take action now so that in a few years, you’ll be the one sharing stories about your awesome credit score.

So, how do you get that credit ball rolling? First, consider applying for a secured credit card. It’s like a baby step into the world of credit. You’ll put down a deposit that acts as your credit limit, making it less risky for lenders. Use it for small purchases, like your favorite snacks or that limited-edition collectible item you’ve had your eye on. Just remember to pay off the balance in full each month, or you might end up in a financial horror movie where debt creeps up on you when you least expect it.

Another smart move is to explore options like becoming an authorized user on a family member’s credit card. This allows you to benefit from their established credit history without the stress of managing a card solo. It’s like getting a VIP pass to the coolest concert without having to buy your own ticket. Just make sure the cardholder has good credit habits—otherwise, you might find yourself in a financial remix you didn’t sign up for.

Don’t forget to monitor your credit score as you go. Many apps and services offer free credit score tracking, allowing you to see how your actions impact your score. Think of it like checking your stats in a sports game; you want to know how well you’re doing and where you can improve.

While it might feel scary to see friends getting denied apartments, remember that everyone’s financial journey is unique. You’re in control of your path now. Starting to build credit at 20 means you’re laying down the foundation for a solid financial future. So, grab your metaphorical pickaxe and start digging; the treasure awaits, and it’s going to be worth every bit of effort you put in.