Start Your Credit Journey with Confidence
Turning 18 is more than just a milestone—it’s the perfect time to take control of your financial future. The Guide to Kickstarting Your Credit Journey at 18 is your trusted digital companion for understanding and building credit from the ground up. Whether you’re a total beginner or just looking to start strong, this easy-to-follow guide walks you through how to start credit at 18, so you can build a solid financial foundation with confidence.
What’s Inside the Guide?
- Chapter 1: Laying the Foundation – What is Credit?
- Understanding Credit and Why It Matters
- The Basics of a Credit Score
- The Importance of Starting Early
- Chapter 2: First Steps to Building Credit at 18
- Getting Your First Credit Card
- Becoming an Authorized User
- Secured Credit Cards vs. Unsecured Credit Cards
- Chapter 3: Building Strong Credit Habits
- Payment Timeliness: The Golden Rule
- Managing Your Credit Utilization
- The Importance of Credit Mix
- Chapter 4: Troubleshooting and Next Steps
- Dealing with Mistakes
- How to Raise Your Credit Score Quickly
- Resources to Keep You on Track
Why You’ll Love This Guide
- Perfect for beginners: Clear, jargon-free language written with 18-year-olds in mind.
- Actionable steps: Not just theory—this guide helps you take real, practical steps toward building credit.
- Tailored to first-time credit users: Learn how to start credit at 18 with tips designed for your unique situation.
- Instant digital download: Access the guide immediately and start your journey today.
Who Is This Guide For?
This guide is made for teens, young adults, students, and anyone ready to begin building credit at 18. If you’re unsure where to start or overwhelmed by financial jargon, this resource gives you a step-by-step roadmap to make it all make sense.
What Sets It Apart?
Unlike generic credit guides, this one speaks directly to 18-year-olds just entering adulthood. It’s practical, encouraging, and specific. You won’t just learn what credit is—you’ll learn exactly how to start credit at 18, avoid early mistakes, and build habits that pay off for life.
Take the First Step Toward Financial Freedom
If you’re ready to take charge of your credit future, The Guide to Kickstarting Your Credit Journey at 18 is your perfect starting point. Download now and gain the knowledge and tools you need to build strong credit from day one. Don’t wait—your financial future starts today!
SHIPPING
We are proud to offer international shipping services that currently operate in over 200 countries and islands world wide. Nothing means more to us than bringing our customers great value and service. We will continue to grow to meet the needs of all our customers, delivering a service beyond all expectation anywhere in the world.
Do you ship worldwide?
Yes. We provide free shipping to over 200 countries around the world. However, there are some locations we are unable to ship to. If you happen to be located in one of those countries we will contact you.
What about customs?
We are not responsible for any custom fees once the items have been shipped. By purchasing our products, you consent that one or more packages may be shipped to you and may get custom fees when they arrive to your country.
How long does shipping take?
Shipping time varies by location. These are our estimates:| Location | *Estimated Shipping Time |
|---|---|
| United States | 5-20 Business days |
| Canada, Europe | 5-20 Business days |
| Australia, New Zealand | 5-20 Business days |
| Central & South America | 5-25 Business days |
| Asia | 5-20 Business days |
| Africa | 5-25 Business days |
Do you provide tracking information?
Yes, you will receive an email once your order ships that contains your tracking information. If you haven’t received tracking info within 5 days, please contact us.
My tracking says “no information available at the moment”.
For some shipping companies, it takes 2-5 business days for the tracking information to update on the system. If your order was placed more than 5 business days ago and there is still no information on your tracking number, please contact us.
Will my items be sent in one package?
For logistical reasons, items in the same purchase will sometimes be sent in separate packages, even if you've specified combined shipping.
If you have any other questions, please contact us and we will do our best to help you out.
RETURNS
Order cancellation
All orders can be cancelled until they are shipped. If your order has been paid and you need to make a change or cancel an order, you must contact us within 12 hours. Once the packaging and shipping process has started, it can no longer be cancelled.
Refunds
Your satisfaction is our #1 priority. Therefore, you can request a refund or reshipment for ordered products if:
- If you did not receive the product within the guaranteed time (45 days not including 1-3 day processing) you can request a refund or a reshipment.
- If you received the wrong item you can request a refund or a reshipment.
- If you do not want the product you’ve received you may request a refund but you must return the item at your expense and the item must be unused.
We do not issue the refund if:
- Your order did not arrive due to factors within your control (i.e. providing the wrong shipping address)
- Your order did not arrive due to exceptional circumstances outside the control of legasen.com (i.e. not cleared by customs, delayed by a natural disaster).
- Other exceptional circumstances outside the control of legasen.com.
*You can submit refund requests within 15 days after the guaranteed period for delivery (45 days) has expired. You can do it by sending a message on Contact Us page
If you are approved for a refund, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within 14 days.
Exchanges
If for any reason you would like to exchange your product, perhaps for a different size in clothing, you must contact us first and we will guide you through the steps.
Please do not send your purchase back to us unless we authorise you to do so.
Order cancellation
All orders can be cancelled until they are shipped. If your order has been paid and you need to make a change or cancel an order, you must contact us within 12 hours. Once the packaging and shipping process has started, it can no longer be cancelled.
Refunds
Your satisfaction is our #1 priority. Therefore, you can request a refund or reshipment for ordered products if:
- If you did not receive the product within the guaranteed time( 45 days not including 2-5 day processing) you can request a refund or a reshipment.
- If you received the wrong item you can request a refund or a reshipment.
- If you do not want the product you’ve received you may request a refund but you must return the item at your expense and the item must be unused.
We do not issue the refund if:
- Your order did not arrive due to factors within your control (i.e. providing the wrong shipping address)
- Your order did not arrive due to exceptional circumstances outside the control of legasen.com (i.e. not cleared by customs, delayed by a natural disaster).
- Other exceptional circumstances outside the control of https://legasen.com
*You can submit refund requests within 15 days after the guaranteed period for delivery (45 days) has expired. You can do it by sending a message on Contact Us page
If you are approved for a refund, then your refund will be processed, and a credit will automatically be applied to your credit card or original method of payment, within 14 days.
Exchanges
If for any reason you would like to exchange your product, perhaps for a different size in clothing. You must contact us first and we will guide you through the steps.
Please do not send your purchase back to us unless we authorise you to do so.
Customer Reviews
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Wow! 🙌 This guide took me from clueless to clued-up on credit. Now I'm confidently building my financial future. It's like having a finance guru in your pocket! Highly recommend for all young adults.
The explanations are clear and easy-to-follow; even my son gets it now!
Impressive
This guide is like the cool older sibling who has been there, done that with credit stuff. No jargon or confusing terms - just simple advice you can actually use.
amazing
Just finished reading through this gem 💎 It's filled with practical tips and tricks that make starting your credit journey less intimidating. Definitely worth every penny!
enlightening
The day after my birthday, mom handed me this guide saying Welcome to adulthood. Best gift ever? Absolutely! So much useful info packed into one place 👍
ok
Got this as a graduation present and boy did it come in handy when applying for my first loan! All newbies need to read this before venturing into the world of adulting.
worthwhile
If only they taught us these things at school... Anyway, thanks to this amazing resource I'm no longer terrified by the thought of managing my own finances 💪
Superb
Never thought I'd see the day where I'd be excited about credit scores... yet here we are! This guide makes it all so simple and less scary. Total must-have for every teen.
recommend
This isn't just another boring finance book; it’s an essential tool that empowers you to navigate your own financial journey. Wish they’d taught me this stuff in school instead of trigonometry...
satisfactory