- 1). Apply for student credit cards if you are in school. Companies that offer student credit cards have more lenient guidelines, since many applicants don't have a credit history. The credit limit may be lower, but it gives you a starting point.
- 2). Rent an item at a center. Rental stores can put a positive entry on your credit report. If you don't mind paying extra for the rental, you can get a basic credit account started. Rental stores have low credit requirements, and some do not check credit.
- 3). Go to a local bank or credit union and request a small personal installation loan. A small loan request has a better chance of being approved.
- 4). Put money down for a secured loan or credit card. Secured credit accounts give you a limit equal to the amount you put in a savings account. The secured account has lax guidelines, since you are providing security in the form of your money in the savings account.
- 5). Finance a car at a buy-here, pay-here dealership. You might be paying a premium interest rate, but you'll start to build credit.
- 6). Ask someone to cosign a credit card or loan. A cosigner with an established credit history will help you qualify for a loan. The cosigner is responsible for the loan if you default.
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