There are a lot of good answers on here. I would recommend you establish 3 tradelines. The company card would count as 1 and most likely two other low interest credit cards. Did you have student loans? If you had student loans and they have been paid off, that is great for your credit rating. What you can do is what my husband and I do these days. We have a US Air credit card with a low interest rate and we buy our gas, groceries...all of our monthly expenses on the card to accrue miles. Meanwhile, all of our income every month sits in an interest bearing savings account. At the end of the month, we pay off all of our credit cards AND we made interest all along (granted it's not a lot, but it's better than nothing). We have near 800 credit scores and no debt, plus it's really easy to track our spending on Quicken/Quickbooks. We are establishing credit, tracking our spending, making interest and getting frequent flyer miles! It's just a thought. Don't carry a balance and obstain from opening gas cards, Home Depot cards etc. Those establish credit, but it's not always the "best" credit. Best of luck and keep saving!
Real Estate III/Keller WIlliams First Coast Realty
Bright Vision Mortgage