Cell phone plan in your name, and credit card. That is what got me a credit score in the mid 600's which allowed me to get an apartment, which then gave me just under 700. For a young person this is what I see fit. Capital One is what I got and they arent bad. Just pay on time and you will be good, otherwise you really will get screwed hard. Hurry though bc in Feb anyone under 21 will have to have a parents/guardian signature in order to get one. Laws have changed for Credit Cards and it is for the good.