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talthouse1144

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Other than collateral, how do you build credit when you're not a student and have no credit?
My boyfriend has no credit and wants to start building it. He's not a student and has never owned a credit card. Is there any other way to build credit without paying collateral?

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Try "riding" someone else's credit

If he has someone who trusts him, has a credit card, and is willing to put him on as an authorized user, he can start with that. Basically what he would be doing would be riding the other persons good credit & responible financial decisions. He doesn't even need to use the card or have acces to it himself. The danger is if they make poor credit decisions, that will reflect on him as well.

I even knew of someone who got a credit card & his parents used it to pay their bills, then they would pay them off on time. He wasn't allowed to use the card until he turned 18 & after that they only payed off their bills, not the balance of the card, but it really helped build his credit from an early age.

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Secure cards. Even a single secure card with a few months of positive payment history can make a substantial impact on your credit score. 

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Department store cards are usually easy to get as well.

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