Apply to a credit card with your bank. Without credit they are usually easy to get accepted to. Use your card for your normal purchases, don't just buy big thi

Apply to a credit card with your bank. Without credit they are usually easy to get accepted to. Use your card for your normal purchases, don't just buy big things for the sake of purchasing things. Pay off your bill ON TIME every time. What I like to do is pay off most of the bill before it is due, and keep 5-10% of the bill for when they report it. This keeps your utilization at that low % which keeps your score up. Another thing to do if you can get multiple cards is set up an recurring purchase on one of them like netflix and make it so it auto pays the bill monthly. This way you are keeping it active while not really spending anything.