 no i don't know what you're going to have a building credit i'd be okay there's only one way to build credit only one reason to build credit and has to go back and about it so you're telling me don't worry if you're not a lot of money i think i don't borrow money you don't need credit and the company that there will be things out there that they make player crack right if you apply for jobs and i'm still pull your credit report if you're for cell phone companies and i'm so pull your credit report renting an apartment uh... yet there's different times in life yes they will pull your credit reports