I would suggest my sister begin the process of establishing credit in a short amount of time by having her apply for a secured credit card. This kind of credit card needs a cash deposit that acts as the credit limit. Equifax, Experian, and TransUnion are the three main credit agencies, and she should make sure that the entity that issues the card reports to all of them. It will be beneficial to her credit history if she uses the card for expenses that are not very large and pays off the debt in full every month. In addition, she has the potential to become an authorized user on a credit card belonging to a member of her family, provided that the main cardholder has a positive credit history and a track record of making payments on time. Because of this, she may be able to take advantage of their favorable credit history. One last thing she should do is make sure that all payments, not only the bills for her credit card, are done on time. This is because her payment history is a big element in determining her credit score