How does someone build credit without a credit card? | Credit ...

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In order to have a credit rating you have to have credit cards or installment loans. Also you have to use your credit, a long time of inactivity one your credit report will lower your score. You need recent account history. References : Desert Horse says: ... Revolving credit (credit cards) have a very high impact to what your credit score is, because it takes more responsibility to handle credit cards (i.e. fluctuating balances, payments, rates). ...

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By Mike S Wallace

With a lower score you may be required to pay elevated interest rates or even be denied credit entirely. Every year you can get one gratis credit report from each of the 3 main credit-reporting agencies. In the United States those are ... Besides issuing disputes, there are some other things that you can do that are useful for your credit. Paying down credit card balances can raise your credit score significantly because a sizeable part of your score is based upon your ...

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