Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Scores
Profile Image

Question By
keltex

0 Contributions
0 People Helped
how do I increase my score when I have no debt and no credit cards?

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
7373 Contributions
3812 People Helped

Since the purpose of Credit Karma is to teach people how credit works and how to build a credit score, I suggest you begin by reading the articles on this site.  Look on the left side of ths page under RESOURCES, locate Articles and begin reading.  It's a very valuable education.  I was trained in accounting and learned a lot.

Top Contributor
3051 Contributions
2791 People Helped

You need to get a credit card.  Not sure what your score is or if you can qualify for a non-secured card, but you can visit www.creditcards.com and find a card for yourself.  They have secured credit cards there as well.  Sign up with your local credit union and ask them for a Credit Builder Loan.  Once you get some credit and start making payments, your scores will increase. Finally, if you have a relative (by blood or marriage) with good credit and who trusts you, ask them to add you to one of their open credit cards as an "authorized user".  You will not get a copy of the card, and you don' t have to use it - you don't even have to know what credit card it is or the number or anything.  Once they do this, their account will show up on your report and will be added to your scores.   Best of luck!

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.