So you’ve never had a credit card or loan, and you’re trying to build a #credithistory from scratch. It’ll take some time and effort, but you can do it! Start with Members Choice CU, where we offer credit cards even for those with little to no credit history. You can also open a secured card or low-balance cards with companies like Capital One or Credit One. Use them responsibly, and pay the bills on time to build your file. If it’s an option, becoming an authorized user on someone else’s card can help, but be sure that activity will be reported to the credit bureaus. You can even have your good rental history reported to the bureaus by various services. It’s not a quick process, but you can build a high credit file!
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