Is there any way to build good credit without using a credit card ?

My husband and I are new to the US ( green Card Holders). We believe in a 'no credit cards' way of life. The only obstacle we are facing however is our lack of a credit score in the U.S.





Does anyone have an understanding on this ? Is there anyway we can build a decent credit score within a 2 year time frame without the use of credit cards ?





For the record, we are not in debt, pay all bills on time and manage our finances pretty well by living within our means.|||Credit cards don't cost a penny to use.


It's a way to build top notch amazing credit scores for free.





You use a card for gas or food and you pay in full each month.


This way you never pay interest and get scores that will amaze any future creditor.





Would you re-consider getting a credit card?


Any other way to get amazing credit will cost you money...|||Unfortunately having no credit and 'living within your means' ultimately causes problems for people trying to obtain credit. If you don't have a credit history, you effectively don't exist! I'm in the UK and can only comment really on how it works over here (but I think it is similar over there).


When advising people new to the UK on how to 'build their credit file', I would first tell them to add their name to the electoral roll (do they have one in the US?) then open a catalogue account and/or a mobile phone account and keep it running perfectly for at least 6 months. Any mail order type company should let you open an account as soon as you can prove your identity and your address (in the UK, by being on the electoral roll). Find out which companies record their accounts on the US database. Contact Experian - they'll help.


Good luck!|||You have to borrow money whether it be a credit card account, personal loan, car loan or mortgage in order to build a credit score in the US.











If you are wise with your finances, it shouldn't be an issue for you to have a credit card.|||Credit scores are built by using and paying credit. That means credit cards and/or loans. Nothing else builds credit.|||小redit repair work械d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - credit-report-score.10001mb.com