Now if I were a person with no credit at all, where would I begin?? Maybe my goal is to buy a house someday and I know I need credit in order to do so. Here's how to get started:
1) Obtain a secured credit card at your credit union or bank.
2) Use it and pay it off in full early each month.
Rinse and repeat each month for about 6 months. Then obtain an unsecured credit card.
Do the same thing for 6 months.
If you're renting and have proof your rent is on time every month, like with canceled checks and rent receipts, this is credit history you can use.
If you pay auto insurance, cell phone, once again this is credit also.
Just a few pointers, hope this helps.