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Message: <blockquote data-quote="billabongcr" data-source="post: 3560813" data-attributes="member: 571295">So, I went to th AT&amp;T place, my parents are switching to Verison and i had planned on taking over my phone bill. We used to have a family plan thing, then the service went to crap so I was shopping around for the best price. So i walk in, the semi-hott freakishly tall supposedly wearing heels that i didnt see and my mom said the chick was wearing girl walks over to me and starts askin me about phones, which one i like..etc.So we settle it, and i explain my situation and she starts lookin up my shit. I have no credit as of this point in my life, and one of the main goals of me taking over mybill was to start establishing myself, credit wise. So this chick looks up my info, and at&amp;t wants a $500 deposit (that id get back after a year) plus my regular phone bill charges every month, since i have no credit. i think she used the term limited credit. But since I have such a high deposit the chick was gunna hook me up with the phone i wanted for free..etc.I have no credit. I know this. I dont have bad credit, I just have no credit. But apparently, if you have no credit, they treat you the same as having terrible credit. Also im being told, paying your cell phone bill every month, whether im ontop of it, or 6 months behind, doesnt do anything to my credit. its not a means of building.Well mommy is outraged. We get back to the car and shes like eff that, I'll keep you on my plan so you dont gotta fork out $500 and hope they dont drop you after 3 months for whatever reason they want and keep your loot. Ok.Dad brought me up as, "if you dont got the cash for it, you aint gettin it". Not in a mean way, just as a if you cant afford it, save and wait till you can type deal. So everything i have, i own outright. My 4wheeler, my truck, and all my other little toys. I buy all my clothes myself, food, school books, etc. Everything cash in hand. (I still live at home, but I like being independant. Dont like my parents paying for my shit. Paying for everything i can, gas, insurance, maintainence all myself. But i still live at home, pumpin up the bank account to move out when i finish tech school. They offer me money for things, but I'd rather pay it myself. I feel guilty taking their money, they let me live at home free, so why should they pay anything else, ya know?)So then we start talking. How can I establish myself? My new 4wheeler is in my name, maybe I could go to the bank and borrow like $1500 against it and pay it back over a few months, but then I'm taking a few hundred dollar shot on interest that id have to pay back. Correct? I want a new truck, but dont need one. Was gunna wait to buy one after i finished school, but even if i bought a new truck on credit tomorrow and made payments every month, something about it wont show up on my credit score for a year or something? All this shit confuses me.So pretty much I'm asking, whats the best way to quarterback this thing. I still plan on paying cash for everything I can, so I have no debt, but one day will come when i want to buy a house, and i really dont think ill have a few hundred grand chillin in the shoebox under the bed. So I'd like to establish asap.SHould I do the borrow against my 4wheeler/truck at the bank, pay it back over a few months, and just **** up the interest cost? Or is there a better way?Thanks in advance.</blockquote>

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