( Re ) Establishing a Credit History
If you're denied a loan or credit card because you have no credit history, consider establishing one. The best way is to apply for a small line of credit from your bank or a credit card from a local department store. Make sure you list your best financial references. Make payments regularly and make certain the creditor reports your credit history to a credit bureau.

• Other links and information
  • Getting credit when over 62 65 etc
     
  • Equal credit opportunity act, laws, and rights
     
  • Credit rating information
     
  • Apply for a secured credit card which requires you to open and maintain a savings account as security for your line of credit. Cash deposit usually pay interest. 
     
  • Make sure secured credit card company report to all three major credit agencies. Every month they report revolving balance, and any late payments to these agencies.
     
  • Always pay your bill on time, one late payment can ruin your chances of future credit cards
     
  • Carry a low balance every month to build your credit history. Click here for a free credit report.
     
  • Learn how to build a better credit
     
  • Credit repair act know your rights before your hire anyone to repair your credit