Can anyone offer advice on building up my credit?

I've just turned 18 and I've never had a job a day in my life. I just want some advice on how to build credit up, while you'er young.Can anyone offer advice on building up my credit?
The lender - every reputable lender - wants EVERY borrower to have ';a track record';.





Lenders want to see - through a credit report or credit reports - how well [or not-so-well] the borrower manages and budgets his/her/their money and income.





A very good friend of mine went to a bank and asked to borrow $50,000.00 The credit report was downloaded from a credit bureau. My friend had no credit. When the various bills were received in the mail, my friend preferred paying for everything in full. RESULT: Instead of getting approved to borrow $50,000.00, my friend was approved for and could borrow only $1,500.





Due to the lack of ';a track record';, the bank officer informed my friend the best way to be approved for a larger amount was to make monthly payments for just one (1) year. THEN pay off that small loan and apply for a larger amount.





Its easy, when someone informs another of what the lender REALLY wants: the lender wants that interest. The lender wants to see the borrower's track record.





I wish you well!





VTY,


Ron B.Can anyone offer advice on building up my credit?
Maybe you can try below website to get the information you need. It's about secured credit card to establish your credit articles for your second opinion.
I started my credit with a student credit card. So if you're going to college, they're easy to get, and can get you started with establishing your credit...
Yea





Apply for a secured card.. chances are that your bank gives these... when you have a secured card.. your own balance in your account provides you with the credit limit and you will be able to choose your own credit limit depending on your balance...


once you have the card., you can start using the card and paying some bills using it to start building your credit history..





some atm debit cards also help build your credit history...





having leases, bills on your name and paying them duly will improve your history...
The best way to build credit while you're young is to not over-tend yourself and purchas things just to be purchasing it. Never buy things that you know that you can't pay for so that you won't get in a bad situation with alot of high payments and debts. Once you get in a financial rutt, it's very difficult to get out of and unfortunately it's costly to recover from it. Our agency is a credit and financial service organization and you can register as a Member of our online credit club and get all the answers anytime that you like regarding your personal credit. We also enhance personal credit so that it's stronger!





You can email us at: Credit_Files@yahoo.com or join our online club first before contacting us but visiting the following Yahoo! Club Link below:





http://finance.groups.yahoo.com/group/gu鈥?/a>





We can provide you with step-by-step guidelines and resources on how to maintain your personal credit history as well by purchasing our Credit Resources %26amp; Guidance Manual. It has all the ';secrets'; to the trades and the way that credit reporting agencies and lenders look at you and/or report your credit history and/or payment history.





To purchase our partners Credit Resources %26amp; Guidance Manual, visit the website link below for more information about it, and make your purchase:





Go to: http://www.artistic-capitalcorp.com/CRED鈥?/a>
Either get a parent to co-sign on a small personal loan(use it for something you need like school)





or get a credit card with a low limit, and use it wisely, don't miss a payment, better yet, pay it off in full!!