9 ways to build credit without cards

Your credit cards are a big factor in your overall credit rating, but they're not the only factor. You can have good credit without the plastic.

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Aug 17, 2013 12:50AM
This is about the worst credit story I have ever read.  95% pure bull stuff.  Credit is credit.  Credit cards, auto purchases, and home purchases make up the vast majority of positive credit.  Rental payments and all that other junk are useless for good credit (score).  If the article was about how to GET credit, that would be one thing, but that is not what is captioned in the title.  The new FICO scores are very complicated, but have basics that could have been addressed in this article, such as the "average length of accounts" and other such items.  What a waste of time and resources publishing such junk.
Aug 19, 2013 8:45AM
I got a credit card in college at age 19, graduated and started work at 23 with a 700+ credit score, and now at 27 I have a 810 credit score. Used the credit card about two times in 4 years, but it was enough to build my credit. Credit cards are not the problem, irresponsible usage is.
Aug 16, 2013 7:02PM
False! If you want to wait 10 years to get good credit then don't use credit cards. Get your facts straight before posting false stories on the internet.
Sep 2, 2013 5:05PM
Credit cards are the essential measurement of how you pay bills on time. It's when people carry large balances that their credit is lowered. FICO just wants to see that you know how to manage what is available to you in terms of credit. It's not complicated.
Sep 2, 2013 11:01PM
This is not exactly "rocket science" is it... if you can't figure out how to build credit without the cards...well, good luck.
Jul 11, 2014 7:48PM
They canceled my credit cards due to lack of usage, I only use my credit card like twice in 3 years...I guess it works for some but not for others...oh well. I have come to the conclusion that nothing makes any sense anymore
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