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Dougmroy

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I have no credit. How do I get credit.

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Try a secured card

Then start with a secured card.  You can find these on line, but I always suggest going to your local Credit union or the bank your already do business with. 

A secured card requires that you put money into a savings account.  Then the bank issues you a credit card that has a credit limit equal to your savings deposit. Use the card for a year or longer and once you've built up a credit history of making on time payments and using the card wisely, they can release the savings back to you and convert the credit card to a standard credit account. 

Another option, is Adding you to someone elses credit card.  Many parents do this with their kids when they go off to college etc. and this helps the kid build a credit history.  By the time they get out of college, they can secure their own credit.  This can work with anyone at any age, but it really does require a lot of faith on the other persons part, because mis-using that card can ruin someones credit. 

There is more info on both these methods if your read the articles here on CK 

Good luck 

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