Jewerly helped me out.. i'm 19 in college... got a low 700 score but have been buying jewerly since 15..... most major jewlers report... just buy it on a payment plan and pay it on time and pay it for about 6-8 months...... dont' just pay it out in like 2 months.. my dad taught me this after his credit was jacked up after my parents got a divorce... works too... they report every month.. and a secured credit card from your bank... just dont' miss more then 3 payments