Question by alfeebester: How do I raise my credit score without a credit card?
I have student loans but I am still in school and I’ve got several more years to go. I don’t want to get a credit card because I’m not sure I can trust myself with it. I have a car but it is in my dad’s name because I don’t think I have the credit to get one without a co-signer and no one is availible to cosign. Since I still live at home, how can I raise my credit score without a credit card?
I want to raise my credit to buy a house. I can’t get on anyone’s credit because they already said no.

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Best answer:

Answer by actuatedtendancy
The question is what do you plan on buying in the next few years (a home? another car?) I just watched the film maxed-out (GREAT FILM and would recommend it to anyone living in the USA) and it explored our obssession with credit cards and debt- it also mentions how there are HEAVY inaccuracies with credit ratings and reports which are actually intentionally instituted by the creditcard companies (its a long story, but in essence credit card companies run this nation) so in reality a credit report shouldn’t have any true bearing on a persons credit, but shamefully it does- I recommend alternative credit which is more like refrences from people in your past you have made consistent payments to, who can vouch for your loan viability such as a landlord. It is more challenging to find a lender who will accept this form of a ‘credit history’ but is much more realistic since your personal credit history is bought and sold daily by a variety of different customers and is very inaccurate.

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