Q&A: Are there ways to get “good credit” without owning a credit card?

Question by ssmith: Are there ways to get “good credit” without owning a credit card?
Because people say you need good credit to get loans for houses, etc., but then they say “don’t get a credit card, they are bad news”… so how can you get good credit other than by having a credit card?
P.S. I also already have a debit card, that works as a credit/debit card and I buy a lot of stuff online with it, which is always billed toward the credit feature… so does that mean I already have somewhat of a credit value built up?

Best answer:

Answer by cpaige517
I own a credit repair agency, ( one of the legit ones) The best thing to do is get a credit card and be responsible with the card. You can’t get credit in the future if you can not show lenders how you have handled your credit obligations in the past. The way to help your credit and be able to obtain credit whenever needed is to keep the balance of the credit card or line of credit you use under 30%. Use the card to fill up your car every two weeks. All you really need to do is show activity on the account and keep the balance relatively low. To answer your question, you can always piggy-back or mirror someone else credit. They could add you on as an authorized user to a credit card or line of credit that they already have. Be careful though because with some cards, once you’re on , you’re on and if that person defaults, it will show up on your credit as well. Rumor is that this trick is not going to work much longer because the credit bureaus have caught on and are going to stop including these type of accounts in their credit scoring process. Hope this helps.

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