How can I increase my credit score without credit cards?
I basically want to increase my score without the use of money that isn’t mine. Although I would be willing to get a loan.
I get into trouble with credit cards. Thankfully I didn’t have that much debt and was able to close it out.
I’ve posted this statement before: CC issuers have been running this scam for ages getting people to believe that they NEED a CC to build credit. We haven’t had CCs in over 24 years and we just learned our scores were 750-830 depending upon the reporting agency. You’d do better by building a savings account. CC issuers are more interested in your willingness to spend money (so they make money on transaction fees) instead of your ability to save money.