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hi im just 20 and have no real credit. i got a checking account and a few bills. the problem is i make close to 30k a year and cant get approved for a lease on a civic si.  im thinking about saving more on a down payment. i got 1500 now. i might wait till next spring and ill be 21 and get an insurance break and i can use my income tax return. so what should i do to establish credit? any suggestions would be appreciated

1500 now. i might wait till next spring and ill be 21 and get an insurance break and i can use my income tax return. so what should i do to establish credit? any suggestions would be appreciated     How do you make 30K/year with no car payments or other credit-building expenditures, and still only have $1500 saved?  Do you snort your paycheck?

hi im just 20 and have no real credit. i got a checking account and a few bills. the problem is i make close to 30k a year and cant get approved for a lease on a civic si.  im thinking about saving more on a down payment. i got 1500 now. i might wait till next spring and ill be 21 and get an insurance break and i can use my income tax return. so what should i do to establish credit? any suggestions would be appreciated Apply for credit cards. Take out a small personal loan for like 2000 dollars with your bank.  Pay it back in like 3 to 4 months.  Tell them you need it to pay for College Tuition but doesn't have the money right away.  Or something like that.

: hi im just 20 and have no real credit. i got a checking account and a few : bills. the problem is i make close to 30k a year and cant get approved for a : lease on a civic si.  im thinking about saving more on a down payment. i got : 1500 now. i might wait till next spring and ill be 21 and get an insurance : break and i can use my income tax return. so what should i do to establish : credit? any suggestions would be appreciated : : : Take out a loan from a bank, secured by your checking or savings account, and pay it back on time.  Get a credit card (companies almost force them on teen-agers even, so you should be able to) and charge a few things and pay on time.  Be sure to have utilities in your name and pay on time.