Formo - You have 2 choices in life - pay for everything in cash, or establish a credit history.
If you go the latter route, you're going to have to have credit cards. Get yourself a pair of credit cards. Use them, but every time you do, keep the receipt and as soon as you get home, write in your checking account register the following - DO NOT SPEND <amount>, then deduct that amount from your checking account.
When your bill comes, add up all the DO NOT SPENDs and check them off, then add that total to your checking account total. Pay off your cards every month.
That's the system we're currently doing. We lived beyond our means. We learned our lesson. Now we have a system to live within our means but still use credit cards actively and this is it.
I buy everything with credit cards and both of my credit cards give me points. My wife has one credit card and that gives her points. I use my points for cash back. She uses hers for Starbucks.
This will help build your credit score, as will buying a car as long as you pay on time.
Oh, one more thing - you gotta have a Savings account, preferably one that does automatic transfers from your checking (if you lose your job, simply stop the transfers). I'd suggest American Express online Savings. The interest rate is among the best out there right now.
Porforis is right. Things that are closed will eventually drop off your history completely. Timings may vary.
My man Donald Driver
(thanks to Pack93z for the pic)
2010 will be seen as the beginning of the new Packers dynasty. 🇹🇹 🇲🇲 🇦🇷