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Step 1
Open a bank account. Credit applications require bank account information. Having an account demonstrates stability, and creditors are more likely to extend credit. Visit a bank or credit union and open a savings or checking account. Sometimes, you can open an account with as little as $5.
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Step 2
Get a student credit card. If you attend a college or university, consider building credit with a student credit account. These accounts are easier to obtain with no credit history. Applications are generally available on campus. Complete and mail in your application to build a credit history.
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Step 3
Apply for a secured credit card. If you can't obtain a student account, visit your bank or credit union and ask about secured credit cards. These cards help people with bad credit or no credit to build a credit history. Complete an application and pay the security deposit.
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Step 4
Consider an auto loan. Some private dealerships offer no-credit and bad-credit auto loans. You'll pay a higher interest rate. However, this is a simple way to build a credit history. Make on-time payments each month and gradually build a solid credit history.
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Step 5
Put your name on another person's credit account. Ask to become an authorized user on a parent or sibling's credit card. You'll have to give the creditor your name and Social Security Number. You will not be the primary account holder. However, the account will appear on your credit report, and this can help you build a credit history.
