3 ms·

doesn't take much to get some history.

• astura 4y ago
  You don't even have to actually use revolving credit to build credit history - it's good enough to apply for a credit card then shred it when it comes. "Not running up the credit card" is significant points in your favor. They'll likely close your account for inactivity after a few years, and the account stays on the credit report for a decade after it's closed.
  • fragmede 4y ago
    Not all credit cards are zero-fee, so if you chose to do this, make sure you choose one of those (or just close the card).
  • david927 4y ago
    That's an amazing idea. I had no idea. I'm going to do this. Thank you!