I have a credit rating of 633, but ive never used credit or banks, im 32, and make my living of doing web desi

Question

ive always rented by paying cash

always on time

but can i prove it with no check stubs

my credit just came back with a bunch of zeros.

im taking my time

always been wery about credit

and thank you for all great comments

Answer 1

no credit is slightly better than having poor credit. what you want is to get a credit card or two and start building your credit. credit history demonstrates your ability to show that you can meet your payment obligations on time. With no history, how can anyone know it?

your question was very vague

Answer 2

You need to see what is on your credit.  Can you believe that the credit rating affects us if we don't use credit and if we do?  It is a no win situation.

Answer 3

Have you considered using one of those authorized user tradeline programs. They are very affordable and would get you well on your way to having better credit. My mom used it and not only was able to open other accounts, but her score jumped 51 points. Check out the free evaluation form at www.totaldebtsolutionsllc.com They can help.