So I need some advice moms I want to build up my credit I am about to turn 21 and don't want to do a credit card if I don't have to ... is there any other way to build it up??? and my husband needs too also ...by this time next year we want to have credit to be buying a house we can't with no credit unfortunately!
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A small personal loan also helps credit. Most places report every month and it builds it up fast. - former loan manager
I also recommend a secured credit card. My husband and I just paid off most of our debt. in our efforts to buy a house. But then we had no revolving credit and nothing to bring oue credit up where it needs to be. our lender suggested a secured credit. We got one through Capital One. We put $99 down. and we have a $200 limit. he just told us to make sure we don't put more then $50 on it a month then pay it off.
Best way is to get a secured credit card. Say your limit is 200. You give them 200 an stay lend it back to you then you pay it back. Or a small personal loan is a good way also. Or if you can afford bigger payments, get a car!
The best way to do it is with a credit card from a bank, you might be required to put a deposit down but they'll give it back to you after a year, also only use up to 30% of your credit limit, credit cards from banks really work, I started with one of Bank of America and they asked for an 100 dlls deposit and I only had a credit limit of 500 after a year they gave the deposit back and bump up my credit limit to 2000 if you have any questions let me know :)
Thanks ladies sorry it took so long to comment back it's been a busy day today @alisontoombs, @p0790, @chelseaepley, @amberbrightwellman,