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acvngtn941

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What is should your next step be if you have no credit score and are unable to receive a credit card
I need help with finding other ways to improve my credit with out having to apply for anything. Due to never having any type of credit card or loan, I am now unable to apply for anything due to my credit status seeming untrust worthy is there any one who has experienced this before?

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Check with your bank/credit union about getting a "secured" credit card.  You will find information about that and other credit topics in the articles, which you will see on the left side of the page.

Why do I NOT just answer your question?? Because the purpose of Credit Karma is to teach people about credit and how to build theirs.  There are articles and financial tools for you to use in that process.  Become an informed individual and you will soon have credit working for you. 

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Your best bets are to get a secured credit card (visit www.creditcards.org or www.bankrate.com for great list of all cards) and/or visit your local credit union and ask them for a "Credit Builder Loan".  You'll have to come up with some money for these - they are pre-paid accounts.  Once you get those going, your score will improve over the next 4-5 months.  Stay away from pre-paid debit cards, they don't report to the bureaus.  Best of luck!

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