Take 2k to your bank ask for a credit card and tell them to use that money you just put in as collateral. Then go to another bank. Put those 2k you just got and ask for a credit card/ loan for 2k and do it again as collateral. This is the fastest way to build credit if you're starting from the ground up. The trick is remembering to pay on time and not lose track of this.


Use credit to buy small things and pay them fast which shouldn't be a problem. Actually use your credit but don't miss payments. People recommend to buy only large things with credit but that's kinda of dumb if you're just starting out. Being able to pay 5.99 is easier than a tv for 499.99. And do it before interest come up.


When I managed to build my credit. I got a credit card from newegg and would buy people computers using it. They'd want me to take one on credit and they would pay me monthly since if was 6 months no interest. Limit was 2500. I build my credit super fast like that. And by fast I mean 2 years.