OP (if you're in the US where credit scores are a thing), find out if your bank will give you a secured credit card. This is when you give your bank, say, $200, and your bank gives you a credit card with a $200 dollar limit; they hold that money in case you don't pay your credit card bill (and whenever you close the credit card, you get that money back). This is a good way to start to build credit (which is very helpful for getting housing on your own) without risking serious debt. Use the card occasionally, and make sure to pay it back immediately. Put it on autopay, if you have enough money regularly in you bank account.