I'm 19, I don't have a credit rating, since I've never had a credit card. Ok, so I check my credit rating, and it gives me errors, so I assume I don't have a credit rating. Ok, so here is the question. If I were to move into an apartment, would this effect me any way. I know my parents wouldn't be willing to co-sign or anything *if there is such a thing...* I'm actually not understanding how it works period. My sister says that they doubt I'd be able to get an apartment considering the fact I have NO credit, and I don't have a "real job". So, I'm just curious how this goes. If anyone has moved into an apartment being a trader, is it much more hard if you don't have a job where you work for someone and earn a steady income? I mean, if I wanted to lease an apartment for 12 months, and wanted to pay for the whole 12 months in advance, would I be able to do this, or would I still have the possibility of being rejected? I ask this because I don't know anyone else to ask, and I figure some traders that have been doing this since they were straight out of high school might know what this is. OR... do I need to get a credit card, and build credit.... I just don't know how this all works. I don't know if I'm legally considered "self employed", or whatnot. I just don't know how this work. Anyone have any resources they could point me to or advice on how this would work. I'm trying to figure out how hard this is going to be considering I have never had a job before, and I trade for my own income and can currently make enough to support me for a 1 bedroom apartment (which is what I'd get anyways), and the cost is around 600 - 800 per month around here for a 1 bedroom apartment. So, just curious if anyone has advice for a fellow trader on how this works for me, or any advice. Also, how do you build credit, without a credit card, because if possible, I'd like to NEVER have a credit card, or am I going to have to get one sooner or later anyways? I'm getting to the point in my life where I'm ready to be really independent and can afford to do so as my trading will be able to finance it. I just don't understand yet my being "self employed" will have an effect on my future.