Comment from bud68
Time February 24, 2010 at 7:24 pm

You can’t. Building a credit history takes time.

Comment from Judy
Time February 24, 2010 at 8:00 pm

You will have to pay interest on a loan.
Which is silly because you can develop top 800 scores without ever making a loan or paying interest. I would honestly get a credit card and pay it in full each month. It’s like getting an 800 score for free.
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Comment from Outrider
Time February 24, 2010 at 8:05 pm

Make sure to pay your bills on time. You might buy something overtime and make payments to a store. Take a loan from a bank and repay it. You could get a gas station credit card and use it for 6 months and always pay it on time.
Outrider

Comment from Ter
Time February 24, 2010 at 8:55 pm

Get a gas card – they’re easier to get approved for and have dinky limits so it would be hard to ‘get in trouble’ with it. Charge your gas and pay the bill in full every month.

I think cards start reporting (the good and the bad) on you in 8-12 months.

Comment from Mike A
Time February 24, 2010 at 9:17 pm

It depends on what your credit report looks like now. If you have collections and late pays, then simple credit repair may be for you. Otherwise, a tradeline program where you are added as an authorized user could increase your score significantly.

Comment from Jim Q
Time February 24, 2010 at 9:41 pm

You can use credit repair agency to fix your credit, for example this one – buildcredit.ifastnet.com