Question by Kyle G: I have no credit and I want some ideas about good ways to start it without using a credit card.?
I don’t trust myself with a credit card and I want to establish my credit. What is the best way to start my credit without the help of a credit card?
Best answer:
Answer by aeaglenfitch
apply for a small loan, youll have a high intrest rate but as your credit gets better it will go down
Add your own answer in the comments!
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You can get a small loan to establish credit or if you can’t find one you like try a credit card from a store with a small limit like $ 500.00. At some point in time you will eventually have to get one.
This about.com website talks about managing your credit and debts it may help you.
http://financialplan.about.com/od/creditanddebt/Advice_on_Managing_Your_Credit_and_Debt.htm
lol, I think the best thing for you to do is get a credit card and make a rule that you use if responsibly, reminding yourself daily that it is not your money. You will have to use it to build credit. The best way to do this is use it to buy something you were already going to buy and then transfer your actual money over to your credit card to pay it off.
For example,, when I put gas in my car I can use my credit card, even though I have the cash on me, and in the same day pay the balance owing on the card with the money I have.
To establish your credit history, talk to your banker and say you want to establish your credit rating.
Open a savings account.
Be a regular and persistent saver.
Take out a small loan using the savings account as collateral, and then pay it back. This will do wonders for establishing history.
Apply for a small furniture loan, making sure the furniture company reports to the bureaus.
After a few months if you need a car apply for a car loan…remember always PAY ON TIME