I dont have any credit history at all and just turned 18. How do I start establishing a credit history?
368592
ask your family or friends with good credit to add you as an authorized user on his/ her credit account. Mainly someone who has had an account open for at least a couple of years and is in good standing...the same information will show up on your credit report as if you had that account also for a couple of years
349646
establish your own bank account and credit cards.  Start creating your own credit score.
376383
Your best bet would be to ask your parents to co-sign a credit card for you with a good credit card company of your choice.  This, of course, means that your parents would need good, established credit, and that you would have an arrangement with them.  They don't screw you, you won't screw them.  Meaning; you pay all the bills, on time, no mess ups that could damage their credit, and they won't chrage things on your account there by messing with your credit.  You keep this up for a few years, thereby establishing credit for yourself.  At this time, you should have no problem opening a credit account for yourself without them.  Once that is done, your parent and you will close the joint account and you are on your own.  Hope things work out for you!\nPS - If a parent won't do this for you, try a trustworthy aunt, etc. but I would stay away from friends with an issue this big.
1150878
Let's first look at why you don't have a credit card and its implication to your getting resources for your business:\n\na. You have poor credit - if you have no credit cards because no company would approve you for line of credit, chances are also very high that no banks will lend you loans. Having a business plan is not enough; some banks would not even look at your business plan if you have poor credit history. Even SBA loan is a long shot.\n\nb. You have no credit history - either because you are an immigrant or you are a young person just starting out in life. In this case, you have to have a business plan PLUS a collateral or loan guarantor when you approach a bank.\n\nCredit cards have become an important source of financing for many small business entrepreneurs, especially those who cannot get a loan or will not require a significant amount of money. They use credit cards to buy their equipment, pay their suppliers, buy inventory, etc.\n\nWithout access to credit cards, your best sources of capital include your savings, your family, or your friends. You may also be able to find an investor willing to help you out, but the investor must either believe in your business idea so much, or the investor must believe in you as a person and your determination to succeed. I know some entrepreneurs who got financing because the investor just loved their tenacity to succeed.\n\nOtherwise, you scale down your plans or wait for a better time to start a business -- and that is if your financial condition improves.
62803
Do you have a bank that you have any accounts in?  if you do they may be willing to make you a small loan.  Everyone has to start somewhere.   (how can anyone ever get a loan if they didn't have credit?  think about it... Everyone had to have a "first" loan - it's from that point that you will establish if you are trust/creditworthy or not) so don't blow it.  Pay that loan when you do get it. \n\nIf you don't have a bank account - you may need to have a family member co-sign  the loan for you.  You need to be sure to pay the loan off on time and you will be on your way to building a great credit for your future.
1006626
Do you actually have BAD credit after doing nothing, or is it that you just don't have ANY credit because you've never used credit?\n\nIf you just don't have any credit -- you've never proven yourself to be creditworthy and reliable -- then you just have to accept a low credit score for a few years, like everyone else, and although there are ways to establish credit quickly (secured credit cards, etc.) it won't just happen overnight.\n\nOn the other hand, if your credit report reflects negative information that you feel is in error, your next step should probably be a talk with all three of the major credit bureaus (Experion, Equifax, and TransUnion) to figure out why there are negative marks on your report, and to identify possible remedies for these problems.\n\nHowever, you have not provided enough information for anybody trying to answer this question to actually do any good, as the question is very vague.  Good luck, though.
236525
First u need a credit report.  and it in there with ith the few pages. IT should be in the first second page of the report u can get one at www.freecreditreport.com good luck
607534
It would be good for you to start understanding how credit cards work and learn the discipline of managing it properly. Your parents could probably get you a card with a very small starting limit of $50-100 max. It would help you get under way with a credit history and also understand the penalties that you could get with overdraft and late payments. Go for it, but cautiously
553035
It could be hard at the beginning.\n\n1) Ask your employer for help with the bank on getting a credit card. That helps a lot for building a credit history.\n\n2) If that doesn´t work, ask for advice from the bank where they will deposit your salary. Probably they will ask you to a open a CD account. This type of account if very good for stablishing a good credit history.\n\n3) About the car, i would advice you to buy a cheap and used car at the beginng. Going to the local university would give you access to good deals every year around June or July when people move. \n\n4) and dude, please, please save money. Rent a cheap apartment, don´t buy things that you wont use. If you loose your job and therefore your visa, you could be left with no money and huge debts. So be careful.
836391
I think it's good that you don't have a credit card.  I don't have one either.  It helps you to avoid credit-card debt if you don't have one.\n\nHowever, in the future if you want to take out a loan for, say, a house, you might want to have some evidence that you are a good credit risk.  You can establish credit with your cell-phone bill, I believe, but a credit card is another good way.  If you want to do this, get a card that doesn't charge interest for a period of time, use the card for something simple and pay it off every month.  That way you will be helping your credit but you won't be incurring credit-card debt.\n\nThere are many, many credit cards that would be happy to issue you one, even though you are a college student.  Perhaps you should start by talking to your financial institution.
909558
Having no credit can be just as bad as having bad credit, but the good news is, if you have a job, you can get credit.\n\nTry applying for a department store credit card or have someone co-sign for an auto loan. Once you are approved, make your payments every month!\n\nThe important thing to remember is that credit is a privilege not a right. And never use credit as a license to shop!
248392
A major part of your credit score is tied to the length of your credit history.  The longer your history the better your score.  Therefore, if you establish credit at 16 (or even younger), then by the time you are 23 and looking for a car/home you will already have a decent credit history established.\n\nYou can open a bank account at any age, but you need a parent to co-sign.  See if they will also co-sign for a credit card for you.  Keep it with a very low credit limit ($500).  Every time you use it, pay it off at the end of the month.  That will establish a history for you.\n\nGo to www.myfico.com and get more information on how your credit score is calculated, and other hints.
403095
Hi well basically they look if you are creditable person, meaning by that, if you have credit established, if you have bills, make payments if you are on time paying them, they look for history, by establishing credit need to have a good job and take things on credit and you can establish credit history, depeding on your situation. Some times living on your own is harder, because you will have to pay rent, buy food, car gasoline, clothes, medicines, etc. You should have establish your credit while you were still living with your parents. There are links where you can check your credit. \n\n\nGood luck\n\nPedro R\n\nGood luck
839892
Having anything in your name will help.  Cell phone, car payment, car gas card, but if you really want to build credit you need to get a credit card.  Go to your bank and ask about a "student visa" card.  Those usualy only have a $500 limit, so you can't really get into to much trouble with it.  And then just put like $50 a month on it and always pay it off.  That is how I started, and I have great credit!
473707
you need someone to co-sign for you a small loan at the bank. That will start your credit. As long as you pay it on time every time then you'll have good credit.
894761
There are 3 major credit bureaus that track your "credit record" or credit history, Trans-Union, Experian, and Equifax. You are entitled to recieve one free credit report from each of these bureaus every 12 months.\n\nIn addition to credit cards, your history will also include bills that are 30, 60, or 90 days past due, and any personal or school loans you have. It is important to start a credit history but that doesn't always mean getting a credit card. Debit cards are linked to a checking account and aren't listed on your credit history, but if you ever bounce a check and the merchant is unable to collect, this may wind up on there too.
63521
Actually, you are already on your way. Simply being aware of the importance of good credit - and then making a plan to maintain your credit is a big step. \n\nThe first thing you need to do is get a recent copy of your credit report. Go to one of the major credit bureaus (www.equifax.com, www.transunion.com, or www.experian.com) and buy a report WITH scores. If you've recently been turned down for credit you can request one (in writing) from each of the bureaus for free. You goal is to get your score above 700. If you have any loans - you must get those current. Do this BEFORE you pay any accounts in collections (if you have those). You'll also want to get up to three credit cards with balances of at least $300. Use the cards once per month to buy something small - and if you need to, give the cards to your parents so you won't spend on them. Keep a very small balance (not zero) on the cards. \n\nDo this and you'll be in great shape within 12 months.\n\nBe well.