No Credit
When you’re just starting out, having no credit can seem as hard as having bad credit, but with careful attention to your credit rating, you can quickly build a good to excellent credit rating! And, it’s much easier to build a good credit rating with no credit than it is to recover from bad credit. For many people, starting with a prepaid or secured credit card will help build the credit you need. For others, starting with a credit card that has a higher interest rate, an annual fee, or account opening fee can help get you on the road to good or even excellent credit!