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The law says you have to have an authorized user or a joint account holder or demonstrate the ability to repay, unless you can prove independent means of income.Join our live video chat every Tuesday and Thursday at p.m. Rod Griffin, Director of Public Education at Experian, is available to answer your questions live.There are many opponents of virtual communication, they like live communicate, than online chat via webcam.Of course, all right, but nothing prevents you to use free chat without registration to search for new friends, and later make a a real meeting.Even a small loan with on-time payments will help build a good credit history.

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There are several things you can do to establish credit.

Talk to your bank or credit union about getting a secured account.

It’s important to pay those student loans on time consistently.

Ask your landlord or apartment manager to report your positive rent payments.

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