Hopefully, in college. I will be taking out student loans. Loans can help me build credit if paid properly on time or before the payment date to get rid of some interest.

I will probably get a credit card. This can help me build credit by buying things and then paying them back.

I will have to pay for some college expenses and I can use my credit card to pay back later on.

I will be graduated from college probably still paying off student loans. This helps build credit.

I may go back to school to further advance my knowledge and have to take out more student loans.

I will probably be living on my own. So I will need to pay my bills such as water or heat. Paying your bills on time also builds credit.

A full time career/job will be started. This will help me to pay off things and buy new things.

I hopefully will have a house for myself and have to pay bills/mortgage. Paying these on time helps to build credit.

Buying a new car. If my credit is built up well enough I can get a good interest rate and build my credit more by paying my car payments.

I may still be paying off student loans so I will try to pay for them as soon as possible to lessen the interest I will pay in the future.

New item payments. I will continue to buy new things such as couches and TV's and then pay them back every month.

House payments, I will need to continue to pay my bills on time.

I can get another credit card and use both and pay them off on time. This will further build my credit.

However, hopefully by now my credit will be built up and decent but most likely not as people in their 30-40's have a lot of bills.