I was not surprised by my credit report. When going over it and reading through it, a flood of memories came rushing back, some good and some not so good. There is one credit card that was listed, and it was my very first one. I’m pretty sure my parents had to bail me out of that one. I was 17 when I got my first credit card and if I could tell my younger self anything, it would be to NOT GET A CREDIT CARD!!! Find other ways to build credit.