New 18 Year Old Credit

In the United States you need to be Eighteen Years Old to have your own credit.  You can not sign a contract and be held to that contract before you ar an adult at Eighteen.

So we are starting with zero when Building Credit for my 18 year old nephew, Let's call him Jace. 

His father has an American Express Card that has over twenty years of history.  We made Jace  an authorized user of this card.  They submitted his Social Security number and his full name so he actually has an AMEX card.

We signed Jace up for Credit Karma to see his current Credit History.