Comment from shammi sam
Time February 28, 2010 at 11:56 am

u have to have a credit card to do so .

Comment from Andre
Time February 28, 2010 at 12:27 pm

No you cannot improve your score without a card. To improve your credit score you have to have “credit”. Your score reflect upon your credit history.

Comment from SundaeRose
Time February 28, 2010 at 12:41 pm

Well according to Suzy Orman (financial advisor) you have to have a credit card to establish credit. She says that is just the way it is even though she doesn’t care for them.

Comment from Nathan W
Time February 28, 2010 at 1:40 pm

You can try buying a car without any credit and if you’ve been at the same job for a long time, they might possibly still sell you a car at a very high interest rate.
It would seem to make more financial sense to get a credit card though, as opposed to buying a car just to build credit.
If you’re worried about going into debt, tell them not to raise your debt limit when you get a credit card – just keep it at a $1000 limit and don’t let them raise it, and you won’t get into trouble.

Comment from Thomas
Time February 28, 2010 at 2:13 pm

Credit score is a reflection of your use of credit so credit cards are not th only possible use of credit. If you have a car loan, a personal loan a student loan they all get reported and hence do have an impact on your score

Comment from Jim
Time February 28, 2010 at 2:48 pm

Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – freecreditreport.sinfree.net

Comment from Sara J
Time February 28, 2010 at 3:34 pm

To do this you must apply for a small loan or a line of credit from your bank.

Getting a loan can be difficult. You can increase your chances of getting your small loan approved by making a large down payment. If you do not have cash, borrow from your parents or family member.

Another way to establish credit history is through gas cards. Gas cards are fairly easy to get and a very good way to show that you pay your bills responsibly, assuming that you pay every month or before the established payment date.