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what I did to start up credit was I got a $500 personal loan from my bank and made payments on it. I of course just went and blew the money but if you're smart you could just stash it somewhere, like say an emigrantdirect savings account that pays 4% interest a year, and take money out every month and send it in as a payment.
there are 2 advantages to this, one earning such a high % in interest helps slash the amount of interest you're paying your bank on the loan. also very little money comes out of your pocket to build your credit, with a credit card you have to either spend money you don't have or pay it in full everymonth(which some people have a hard time doing once they let loose and go on a spending spree). plus the interest rate for a personal loan will more than likely be lower than a credit card, and you don't have to worry about the credit card company hiding fees for various b.s.
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