Question

Looking for ways to increase my credit score? trying to stay away from the credit cards method alot of people use. The only thing on my credit is my car note.  -I'm young with a FT job, and a FT college student. Soon to be momma and nursing student.  

Answer 1

Try a secured credit card. You put your own money on it and it gets reported to all the major credit agencies. It's what I used to build my credit because even though I had none, no one would give me a credit card. So that was the only way I did it until I was able to get a credit card. But you could be fine with just that. I use Capital One.  

Answer 2

If you don't want to use CC's I would suggest a starter loan or something. Maybe check out Self.  

Comments

@oppen self? I'm currently working on 2 starter loans and they're helping. I just didn't know if there were any other ways!  

Answer 3

Using credit cards and paying them back right away. if you don't wanna take more loans

Answer 4

I use my credit card to pay for gas & to pay for some of my school tuition that I KNOW I can pay back the second I charge my credit card. I’m 21 and my bank financial advisor told me that I should start building credit now. But my dad says to ditch the credit card and pay everything in cash.?  

Answer 5

When I was 18 and got my first credit card, I would charge socks, then pay it off. I kept doing it over and over. It managed to build it!