your credit score might be (NULL) Panda
i had only student loans up until age 28 before i tried to get a car loan and got denied due to insufficient credit history and no revolving credit history
i then got a few credit cards and now have excellent credit but i'm still slightly dinged with the "oldest account was opened too recently" under revolving credit. i probably shouldn't sweat it too much with a score around 780 and given the banks gave us a loan we can barely afford. living the dream
but yeh, to minmax my score, i should've got credit cards right at 18
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