Ok I have heard 2 things about whats the best to do. One is have a credit card and buy something and pay it off at the end of the month. THEN I have heard keep 33% on there so on a $1000 card make sure you always have a balance of 300 something on there. Now I do know if you know someone with a cc and they have had it a LONG time and pay on time get them to make u a user on the account. Tell them dont give me a card just let me be a user so then ALL of their credit history on that card goes on your credit now.