I just wanted to post that when coming to the USA, you need to establish at minimum, 4 lines of credit as soon as possible.
I worked in lending for 10 years before quitting my job and trying for nursing school.
I always recommend two major credit cards, a gas, and a store card.
You need to use the cards every month, with the exception of the store card, and pay them off each month...no matter how small of the amount. Try everything to open the four in the smallest time-frame possible, and for the first two years, try to not open new lines of credit unless you absolutely have to finance a car, etc.
Each time you open a new line of credit, the bureau regrades it according to age. Old credit cards should never be closed out if you are trying to get your score up....that is the biggest myth in the lending industry. It will actually cause your score to go down.
To make sure your credit balances do not hurt your score, keep them to less than 50% of the high credit line. If your high credit line is $1000, never put more than $499.00 on the card. Making payments on a credit card doesn't increase your credit score any faster than charging each month and paying it off.
I don't know how it is "over the pond" but here in the states, just about anytime you go to any clothing store they will offer you a discount if you open up a new line of credit...ALWAYS decline these if you already have a store card until your credit is well-established, and never open up more than two lines of credit in any calender year....any more and you are hurting your score.