Hi,
I was looking for some advice on how to build up my credit. My goal is to build up my credit and try to invest in a house this time next year solely in my name. My credit is pretty much non existent at this point. I am just turning 21 and have been living with my bf since I was 16, and he has had everything in his name. Also, My car was bought cash so I have never really shown having any bills and paying them off. (would a gym membership or tanning membership that is paid monthly on time show as anything for credit or dependability?) Sorry if that sounded silly but I have no clue as to what does and does not go on your report and what is looked at when you are trying to buy a house.
I do not have any credit cards, besides my bank cards that can also be used a Visa/Mastercard. So I'm not sure if those will count as any kind of credit. I have not been able to get approved for any unsecured credit cards. Someone told me I should start with a secured credit card.
I would appreciate any advice as I am clueless in this area. Where do I even go to get a copy of my credit report so I know where I stand? What are some good ideas to establish credit??
Thanks everyone!


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