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building credit when you have none?
I have zero credit and would like to purchase a home I know it might not help a lot but if I got the zune network into my name instead of my moms and paid it on time would that build my credit the same as a cell phone would?
4 Answers
- Anonymous1 decade agoFavorite Answer
Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - credit-report-free.totalh.com
- 1 decade ago
The best way to build credit is to get a credit card and/or a bank loan and make sure to make the payments. It takes 24 months of credit history to build up your credit score.
- ?Lv 71 decade ago
No only credit cards and bank loans build credit. Borrow 1k from your bank, put it in a savings account and make payments for 10 months. You have now established credit
- 1 decade ago
No, and a cell phone doesn't do anything to your credit. it only does something when you DON'T pay, which is bad.
Look into getting a secured major credit card or a store card. Old Navy, GAP, Macys, etc.
