- 1). Collect your personal information. Get dated receipts from the utility companies for each bill payment you've made over the last 12 months. Also ask your apartment manager for bill payments.
- 2). Contact a highly-regarded pecuniary institution. Ask the company representative if they can allocate your alternate credit information with a credit-reporting service. The company official may use your alternate disbursement history for the basis for a loan. This can assist you in establishing traditional credit scores.
- 3). Submit an application to a credit reporting agency in the event that a bank doesn't wish to work with you. Highly regarded services will often keep a credit file on your behalf for a nominal fee. Stay away from pay day loan companies that hit you with extremely pricey fees. They also can't provide you with the credit reputation.
- 4). Ask that your bank request that credit-reporting agencies set up a file for you. It takes a month for the credit-reporting agencies to respond.
- 5). Preserve your payment history. When credit-reporting agencies agree to create an alternate credit file on your behalf, the payments for your bill will be tracked. Don't get behind on utilities, rent or other payments. You can damage your new credit if you do.
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