Listed here are a few alternative methods you can begin building your credit rating: Submit an application for a Secured Bank Card If you are trying to find a method to kickstart your credit score, consider obtaining a credit card that is secured. Bank cards are one of the better approaches to establish and grow your credit, and a guaranteed card is particularly aimed toward individuals with little if any credit. By having a guaranteed card, an account is opened by you with a money deposit, and that deposit quantity will be your borrowing limit. This produces less risk for the issuer but enables you to utilize credit cards whenever necessaryâ€”and build your credit during the same time. Get yourself a Cosigner Finding someone with founded credit to cosign for a financial loan with you is yet another real means of getting that loan with small to no credit rating. Cosigners submit an application for the mortgage if you default with you and agree to assume the debt. Which means in the event that you skip a payment, your cosigner will result in spending that quantity.