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Since November 2009
The question starts out a little vague, but let's address a few of the initial concerns. Pull up your credit report(s) on www.annualcreditreport.com. This is the free web site that allows you to pull up your report once a year per Credit Reporting Agency. You can do all three now, or you can pull up one every 4 months. Don't pay for any of the credit scores (numbers) or anything else special. Just get your report for free and take a look at it.
Do you have previously established credit? The credit reports will show that. Now, let's take the extreme measure - you have no previously established credit. You could talk to your bank that may have your checking or savings account. You could request a secured loan or a secured credit card. These are two simple ways to begin to establish credit.
Even though you don't 'owe anyone' - you may have had credit established in the last few years that will continue to show on your report (up to 7 years, I think). Hence, student loans may be there or even a paid off car loan. So, not owing any money does not close your credit report.
Could you detail the question more for a more exact answer? Thanks.
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How does any one get credit when you don't owe any one?
bouzer
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