Don’t Have a Credit History?
- Budget, track expenses, and save.
- Open accounts at a credit union.
- Apply for a small loan or line of credit.
- Get a secured credit card.
- Use a co-signer on first credit accounts.
- Offer a large down payment to get a loan.
- Apply for a department store or gas card.
- Put utilities and rent in your name.
- Make sure creditors report to credit bureaus.