The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.
First, you can check if there is a credit report in your name with any of the major credit bureaus - TransUnion, Equifax, and Experian. Once you receive the copies of your reports, read them to make sure all information (especially your personal information) is correct. Any error can be disputed with credit bureaus directly.
After that you can apply for a credit card to start building your credit. We would recommend getting a secured credit card as this type of card is designed for those who want to establish their credit. Plus, secured credit cards are easier to get as they require a security deposit that should be paid when you are approved for the card. The minimum security deposit is usually around $200 - $300, and it usually gets you an equal line of credit. Some credit card issuers may extend higher credit limits while requiring lower security deposits if they consider you creditworthy enough. When you close or upgrade your secured credit card, you will get your deposit back (provided it hasn't been used).
If you do not want to pay a security deposit, you can consider credit cards for people with limited credit. These cards may come with higher fees and interest rates, so be sure you get acquainted with possible fees when you choose an unsecured credit card.
Since you are starting your credit, make sure you are always on-time with all credit card monthly payments. Try to never miss or be late with a single payment, it will help you to build a good credit record. Also, try not to use more than 30% of available credit. Ideally, you would want your card balance to be below 10% of available credit or paid off each month. This will allow you to build good credit history from the start.
