A Few Good Ways to Start Building Credit [Infographic]

So you want credit but you’ve got no credit history. But just how are you supposed to build a credit history without having any credit? It’s not easy, but these tips may help.


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So you want credit but you’ve got no credit history. But just how are you supposed to build a credit history without having any credit? It’s not easy, but these tips may help.
This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.
If you’re in the process of trying to build—or rebuild—your credit, you may’ve discovered that it’s tough to do so without actually having any credit. Most credit card companies want to see that you’ve demonstrated responsible credit usage prior to granting you a credit card, but how are you supposed to demonstrate responsible usage if you don’t have any credit to use responsibly?
Credit challenges come in many forms: foreclosure, bankruptcy, or a costly medical emergency. Or maybe you just missed a few car payments during tough times. Bad credit happens to good people all the time. A run of bad luck can throw even the most responsible person into a financial free fall. Fortunately, learning how to build credit or rebuild your credit score is not as difficult as it may seem. In fact, one of the best ways to begin rebuilding is using small, everyday purchases to your advantage.
So you’ve spent the last four (or more) years learning the job-related skills you’ll need to be successful after college. While those skills are certainly necessary, they’re not the only ones you’ll need to know to succeed financially.