How can I build my credit?
150699
I got my first credit card when I was about 20. I had no credit history and not much income, but i was able to get a card with a credit limit of  maybe $250 from a department store.
1055269
There are definitely some things that you can do to improve your credit score. I tried to do this recently and came across this site, http://www.webcredithelp.com
167352
I would try to get a very tiny secured loan from the bank.  Maybe $500.  Go to 5 banks and do it.  Next pay all 5 loans back.  Repeat again for a slightly larger amount.  eventually you'll have several loans that show up as borrowed and paid.  This will increase your credit. You should (given time) be able to multiply your way up to $50K.
543715
you'll need personal credit and a business plan
1150310
I have flawless credit and this is how I did it. Start by joining a credit union or a bank. After a few months they will approve you for a small personal loan. Once you take out the loan, cash the check and pay it back in a few days. You wont get hit by the interest and they love to see you paying off your debts that soon. Repeat this process a few times, they should give you larger amounts each time, based on your repayment history. After a couple of years you will be well over a 750 rating. Also avoid racking up huge number on a credit card. That will only come back to haunt you. Also buying and paying off a car or home counts huge.
522935
Only knowledge.  Don't believe the hype.  Use the three major credit bureau sites, they provide a great deal of help and advice, and now they are required to give one free credit report per year. Get one from each today. Cut up all credit cards.  Do not buy anything on credit. Live on the income that you have. Be disciplined. Make a tight budget. Stick to it.  Reevaluate what is a want versus what is a need. Eliminate the unnecessary. Find ways to cut costs in everyday living. Pay bills on time every time.  Correct any errors of your credit reports. Errors are more common than one may think.\n\nThere is no need to pay any one else to do this for you.  They cannot do what you can do for yourself.\nYou can amaze yourself at the improvements that can be made this way.  I followed this plan and amazed myself.  I have guided many friends and relatives to do the same with great success.
1186203
Go to your bank , get prepaid credit card of $250.00 or so and start building better credit.
37038
The average credit score is 695.  Actually, the highest you can have is 800.  To help increase your credit score, pay down bad debt such as credit cards to at least the half way point.  Make sure you don't have too many accounts open, late payments, etc.\n\nYou can also open more accounts if you don't have a credit history.  Show that you can make payments ... more than the minimum but not the whole amount for a period of time.\n\nYou can also take out a personal loan (small) and pay it back on time and that will help increase your credit score.\n\nYou want a good average score to help keep down the interests on credit cards and loans.
232472
A cell phone will NOT help you establish credit. Trust me, I moved to the States from Europe and I had to establish credit also. I got a secured credit card and after a year, I bought a car. Start with the secured credit card, increase the balance by 100+ every so often, after a while just get a regular credit card, then you can apply for a loan for a computer, car, washer/dryer.. Whatever. Good luck!
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
356395
Very slowly. First get a credit report from expeirian and see what you owe and what ccjs etc you have got.\n\nThen pay the money you owe.\n\nThen go to all the banks and try to get a bottom of the pile credit card with almost no limit.\n\nkeep spending on the card and keep it up to date on payments and your credit limit will rise slowly\n\nThen after so long your credit score will rise and hey presto your on your way.
340944
you can get an awesome card that will help you increase your credit score (guaranteed) or help you establish credit on www.entrustsystems.com/wow
1133566
To have good credit, you need to have opened a credit card account or loan. You must pay it monthly on time. If you are late once it will be on your credit report for 7 years.\n\nDo not spend more than your credit limit.\n\nYour debt to credit ratio should be around 25% or lower.
879250
The above information is good.  However, please remember not to CLOSE your creit card accounts.  Keeping them with a low balance (or zero balance) is fine.  Despite popular misconceptions, open trade lines (with clean history and low balances) do NOT hurt your credit.  Instead, they establish good credit history which is important for your score.  Below are some general tips for building credit:\n\nDO NOT:\n\n1. Do not open unnecessary credit card accounts or other loans.\n2. Do not close existing credit card accounts.\n3. Do not let individual credit card balances exceed 30% of the credit limit.  Two credit cards each at 25% of the credit limit is much better than one credit card at 50% of the credit limit.\n4. Do not allow unnecessary credit inquiries – meaning, you should not have people pulling your credit unless there is a very good reason.\n\nDO:\n\n1. Do make timely payments on all mortgages, auto loans, and credit cards.\n2. Do request higher credit limits on your existing credit cards.\n3. Do make sure that each of your credit card accounts report the credit limit to the credit bureaus.
1137400
from one credit to junkie to what may be another, save yourself! cut up your cards, all but one. if you make minimum payments, a 5000 card turns into a 30 year, almost 25000 debt, a huge profit for the card company. Please don't get more! \nIf you really need more credit, there are numerous places to apply on the Internet. just answer a few surveys and then you get a few free gifts as well as an application. Best of luck to you.
778350
If you've had a checking or money market account with a bank for awhile, I'd start with them.  That's how I had to start building my credit.  Take out a loan and pay it back with the money I got from the loan.  \n\nNowadays, it's tough to get a loan unless your record is spotless or you're getting a house at a rock bottom price.  Good luck.
1059603
I have answered this question in a 5 part series. There are a few items that can be done to build credit. Here are some quick ideas:\n\nThe fastest way is to have a family member or friend put you on a credit card of theirs as an authorized user. This allows the history of that account to report to your credit as well, but you never are in debt. (Just be careful that the account you are added to is a good one!)\n\nHowever, this is not a long term solution for good credit... try these for solid established credit over the long haul....\n\nOpen a Credit Union account and get them to provide a secured loan against your savings. If you have bad credit, most traditional and national banks will not give you a loan. They usually want good credit for that.\n\nGet a secured credit card and only use it for gas purchases, once a month and pay it off each month. No debt, but always paid on time... does wonders!\n\nBuying a car can help, but you will have a very high rate with limited or no credit.\n\n\nCheck out the resources below for all the details and more ideas.