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I’ve Never Had Credit Cards. How Do I Improve My Credit Score? – Albert

“Dear Steve,

My score is at 630 and I want to improve it, but how? I don’t owe anyone and have never had a credit cards really.

How do I establish better credit? I owe only like some parking tickets (2) but other than that nothing. I bought a car years ago, I was late only like 4 payments out of a 4 yr loan. That’s about it, so how or what kind of cards should I seek? I applied a few months ago for a chase visa credit card and was denied. I’ve checked my credit report and nothing negative shows. Please help my ignorant self


Dear Albert,

Think about it like this. Right now you had a ‘D’ grade point average. How do you bring that up? You do better on future tests.

You are not going to get good credit report about you to the credit bureaus unless you get in the credit game.

It’s actually easy to rebuild good credit. Here’s how you do it.


Please update me on your progress by posting updates here in the comments section of your question. I’m very interested in how this works out for you.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

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About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

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