Establishing credit?

If you are just graduating high school, and are 18 whats the best way to start establishing credit without the risk of going into debt (like multiple credit cards)? A couple ways would be helpful

Establishing credit?

Getting a cell phone in your own name. Getting one credit card and purchasing something you need and then paying it off over a few months. Getting a gas card where you can only purchase gas and pay it off every month. Having utilities in your own name.

Establishing credit?

You could start with a secured credit card. It is secured by a deposit you make into your account. Make small purchases and pay them off right away. This will start to establish credit. If you qualify for a regular credit card, make small purchases and pay them off right away. Doing this consistently will increase your credit score and give you some credit history.

Establishing credit?

Well, since having a cell phone doesnt report on your credit, unless of course it goes into default.. The best thing to do is try to get a student card..

When I was 18, I got one secured card.

If you belong to credit union, they may be able to help.

But getting things in your name such as a cell phone, lights, gas.. etc.. really isnt going to help you establish credit..

Establishing credit?

STAY AWAY FROM THE CREDIT CARDS.BUT GET ONE OF THOSE CARDS WHERE YOU PAY CASH IN THEN USE THE CARD.ALSO PAY CASH FOR THINGS IN ADVANCE LIKE BUY SOM,ETHING THAT REQUIRES A FEW PAYMENTS BUT PUT THAT MONEY AWAY IN AN ACCOUNT WHERE ITS JUST FOR THAT PARTICULAR ITEM THEN HAVE THE BANK MAKE A REPORT TO THE CREDIT REPORT IN YOUR FAVOR,ALWAYS KEEP DOCUMENTATION ON PAYMENTS YOU HAVE MADE ON TIME ALWAYS MAKE OAYMENTS ON TIME JUST BECAUSE THEY SAY THERE IS A 7 DAY GRACE PERIOD DOESNT MEAN THAT IT WONT REFLECT NEGATIVELY ON YOUR STATEMENT AS A LATE PAYMENT.CASH IN THE BANK IS THE REAL ANSWER FOR YOUR CREDIT.THE BANK TAKES CARE OF THE PEOPLE WHO LET THEM HANDLE THEIR MONEY.. BUT IVE FILED BANKRUPTCY TWICE WHAT DO I KNOW

Establishing credit?

well for starters dont go crazy with applying for lots of credit accounts because that looks bad. go to www.google.com and type in bad credit or no credit credit cards and easy to obtain credit offers will auto-populate.

Establishing credit?

If you are working, maybe you can approach your mom and dad about cosigning for a car for you.

Establishing credit?

you could stablish credit by getting a small loan or getting a credit card and paying it in full at the end of the month that way you do not pay interest and build credit, check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards but if you are just starting to build credit go under poor or no credit, the interest rates will be high but this are the only cards that will take the risk with you right now, but after using this card for about 6-9 months you could apply for a better one and drop the first one, good luck and take care of your credit.

Establishing credit?

There are articles which will help you. Check it out