Don’t Have a Credit History?

Don’t Have a Credit History?

 Start Small!

  1. Budget, track expenses, and save.
  2. Open accounts at a credit union.
  3. Apply for a small loan or line of credit.
  4. Get a secured credit card.
  5. Use a co-signer on first credit accounts.
  6. Offer a large down payment to get a loan.
  7. Apply for a department store or gas card.
  8. Put utilities and rent in your name.
  9. Make sure creditors report to credit bureaus.