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They are designed to get banks to trust you and start loaning you money no credit cards along with posting a 1 credit ratings on you credit report to show you credit worthy. The best credit reference you can furnish is a record of having borrowed money from a bank.
If they do-and if you pay your no credit cards bills on time-you'll establish a good credit history. Second, consider a secured. It requires that you open and maintain a bank account or other asset account at a financial institution as security for your line of credit.