Great question, Erin. Great response, Maryann! Women need to learn how to be financial healthy starting at a young age.
Erin, I would suggest using your credit card more often and making it a monthly habit of paying it off.
In the past I have been scared to use my credit card and frankly hate the idea of buying anything you can't afford to pay in cash, but it's a matter of life. In most cases, you will not be able to purchase a home in cash.
If you are nervous about using a credit card more often like I was, maybe start with using it for regular purchases like gas and groceries every month. This will also help you manage your monthly expenses :)
It really all comes down to this...the most important thing you can do to build your credit is make purchases on your credit card and pay it off on time.