I have NO credit at the moment. My fico score at TU is 519. Here are my questions: 1. Should I get secured cards now in order to start building my credit history or should I wait until after I've found an apartment? Will new cards drag my score down further? 2.Will a fico score be looked at by a landlord or will they actually look at the credit report itself? I'm only renting, but I'm a bit nervous. 3.Does anyone think a bad cerdit report can prevent someone from renting an apt? Also, is it true that CA landlords pull experian? Sorry for all of the questions, I'm just a bit concerned.