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Daniel8826

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I currently do not have any length of credit history what is the best way to start?
Is it better to get a secured loan from the bank or get a secured credit card. And is it better to just get one secured card or a couple?

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Start off with a secured credit card. Applying for one secured card will be enough to start off with. About a year after responsible credit usage, you may be qualified for an unsecured credit card. When you use your card, be sure to keep your credit card utilization under 30% (1%-20% credit utilization is key), and always pay on time, every time (don't ever miss a payment for any reason). You will generate a credit score usually begining in the low to mid 600's about a month or two after usage, then should gradually rise towards the 700's with responsible credit building and usage.

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