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allbees

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How can I build credit when I don't work?
I am a disabled mother.

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Rent, Utilities, Phone, etc. do not end up on your credit report.... unless you lapse on payment, and they go to collections.  Just look at your credit report on this site, you won't find any of those listed in "accounts".

The real way to build credit if you have none and/or bad credit is to sign up for a secured credit card.  I'm not going to suggest one, but will advise you to take a close look at all of them.  Some can become "unsecured" over time.  Others never will.  Most will have annual fees.  Some will have "rewards" that you can earn.  Take everything into consideration.  This site provides reviews on a good number of them.  Read the good ones as well as the bad ones.

Whatever card you go with, make sure that you never use more than 20% of the available credit.  And pay in full when your bill is due to avoid interest charges.

After a year or so of this, you should be able to apply for more credit of the "unsecured" variety.   At that point, put some recurring charge on the secured card (netflix as an example).  You want continued usage and continued payment history, even if you only use 1-2% of the available credit.  You'll want to do most of your business on the new card, with presumably a higher credit limit.  Still though, you do not want to go over 20% available credit.

Good Luck!!

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Are you paying rent?  How about utilities?  Phone?  Most of these end up on your credit report.  Just make sure they are paid on time and this will help.  Consider reading some of the articles on this site (on the left side of this page you'll find the link) for more information oin building credit.  It really isn't so much about the money you have, but how well you use it.  There are extremely rich people who have lousy credit mand people with limited income who have excellent credit.

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