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Juztice247

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how do I go from a very thin file to obtaining even the smallest credit score?
My credit has to be so awful to the point it doesn't register a score...why is that and how I at least raise it to where I have a score to look at?

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If you credit was awful

You'd have a score...

sounds like you have a "thin file". That means little or no credit. 

Start by establishing a relationship with a bank or better yet a credit union. A checking account and a savings account.  Build up the savings acct with weekly deposits, build it up to around $1000.  Then meet with a new acct manager and ask for a secured credit card. The deposit in the savings acct will "guarantee" the the card. Use the card sparingly, never charge more than 50% of you limit. AND always pay it off before using it again. Or use it for only one or two types of purchases, say gas and groceries. In that case pay it off every month. With in a few months you'll begin to see your score and with a good payment history you'll see it rise. 

Educate yourself using this and other websites. Understanding how to manage your credit is a lifelong skill that managed well you can only benifit from. 

Good luck. 

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