How do you establish credit without a credit card, student loan or car loan?

Assume I'm 20 and have never had a student or car loan OR a credit card. What do I need to do to establish credit?|||if you have a cell phone in your name... that helps to establish credit. just always pay your bill on time|||Go to your local bank or credit union open an account with $300 - $500 tell them you want a secured credit card. Use the card for small purchases like gas or food and pay the card off entirely each month on time.





Also you can open a savings account, save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months.





After a few months you can try for an unsecured card. Retail store cards and gas cards are normally easier to get.





It will take at least 24 months of consistent on time payments to establish your credit.|||It can be surprising how many people don't have a credit history. There are actually quite a few older consumers without a very strong credit history. They may have never had any credit in their names. Many wives find that their credit has always been maintained through their husbands. When they apply for something on their own, they have no history. Students, young people, newly single women and many older Americans may find that they are in need of a credit history. Or perhaps you have already established credit, but it is less than stellar. What should you do?There are a few ways. The best way is to simply apply for a small loan or line of credit from your local bank. Make sure that they will report the information to the credit bureau.





http://quickloans.we.bs/|||Go get a credit card. I'd recommend you join a credit union first, and get the card there. Credit unions don't typically charge higher fees like commercial banks and card companies.





You'll probably get a small credit limit at first. Maybe only a couple of thousand dollars. That's fine - you don't want a $50K line of credit at this point!





Use it sparingly, and pay most or all of the balance off every month. You will build a starting credit score this way.|||You need to build up a credit history. You could open a checking account, along with a debit card. Make payments on time for a year, then apply for a credit card with a low credit line, like $200 Keep the balance paid, and on time. You will eventually qualify for bigger credit lines.|||Are you in need of a Loan?Has the bank or Payday Loan Company refused your Loan Application because of your Low Credit Score or Lack of Collateral Security? and you are in need of this Personal Or Business Loan to re-finance your business, pay your bills,settle your bad credit problems, buy and own a house of your own? etc. .Do you have a bad credit or you are in need of money to pay bills?


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hilaryclintonfoundation@gmail.com|||Try some of the chain stores - Target for example. After charging and paying on time for a few months, they will convert it to a MasterCard. It takes time to build good credit - Bad credit comes a lot faster if you are not wise with it.