What is the best way to improve your credit without a credit card?

I recently was denied a credit because of "Few revolving accounts opened long enough to establish credit history." I do not and WILL not apply or own a credit card. What is the easiest way(s) to improve my credit without a credit card? Best answer will be given to the person with the best references.|||This is a difficult question to answer. It's kind of like asking how to win a game without playing.





It's very difficult for anybody to generically determine what may help or hurt your credit because it's totally based on your own history with credit. You don't have credit cards, but do you have other debt? (a car loan, an installment loan, student loans, etc.)





ManageMyScore can help here. ManageMyScore.com will start with your credit report and enable you to see the impact of anything you might try to do (open new accounts, pay off other debt, close accounts, etc). This will enable you to determine the best course of action based on your goals for your credit score. And it’s truly personalized to YOUR credit situation, which will have much different drivers than someone else’s.





The online service is under $30, and discount code “Yahoo113025D” will take 25% off until November 30. That’s probably the best place to start and will get you the most accurate information, rather than the conjecture from a lot of individuals who can only speak from the experience on THEIR OWN credit profiles.|||Sadly, you need to use credit to build credit, like the others said. In 2000 my mother passed away, I sold her house and used some of the money to pay off everything I owed, I was completely debt free. Since then I have paid cash or out of my checking account for everything, I never used credit cards because I didn't need to. Imagine my suprise about a month ago when I ran my credit report because I want to buy a car, I only have a 581! I have nothing late, nothing discharged, nothing owed and my credit is horrible because I haven't used any credit for 9 years. I wish I had known it before now. I will now be using credit cards to rebuild my credit and keep driving the car I bought brand new without a loan 8 years ago.


Seriously, you are going to have to use atleast one credit card to keep your current credit rating and keep from losing what credit you already have.


If you don't want a big balance just get a limit of $200 and use it for groceries or gas.|||Get an installment loan - auto, "personal loan", etc. The irony is that you can't "build credit" unless you borrow money.





There is nothing intrinsically wrong with credit cards - it is people's misuse of them that gets them in trouble.|||I achieved 800 plus scores with 2 credit cards only.


I used one for gas, and one for food.


I paid in full each month, never paying interest.


In a couple of years I had perfect credit scores.


Never any fees, but I got about $500 cash back in rewards.





Use credit cards wisely - don't let them use you.


/|||With that issue the best thing that I can advice you is to consult a financial expert as they may help you find way. Unless we have a financial expert here, that is the sure way to solve your problem.