Brought to you by the Every Dollar app. Start budgeting for free today. Mark is in Cincinnati.

Hey, Mark, welcome to the Ramsey Show. Hey, great to be on here. Good to have you. How can I help?

I've got a question about building credit. I just don't know where to start.

I'm currently a student.

I'm 23 years old.

I am graduating in three months debt-free.

I don't have any, like I said, I don't have any debt.

I just don't know where to start with building credit.

Why do you need to build credit?

Because I'm trying to move out of my parents' house in the next three to six months.

That doesn't require credit.

Okay.

Well, from my, I don't know, because from my understanding, I know that most renters want a line of credit or they at least want some kind of credit history.

It's not true. That's a lie that your friends tell each other.

Okay. Well, that's why I'm here. I'm here to get some good advice.

So here's the thing. Everybody says that in order, you have to have a credit score in order to rent an apartment,

and yet we routinely will pick up the phone and call 10 apartment complexes in any given area

and say, hey, I'm a student coming out of college.

I have zero debt and zero credit.

Will you rent to me?

Nine out of 10 of them say yes.

And yet all of your friends tell each other that you have to go get a credit card

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