I have no credit. Where do I begin?

Having no credit sucks! It is very hard to establish credit initially because most banks are afraid to be the first on your credit report. How can they properly assess your risk if they have no data to use in their process? Most people get frustrated and want to give up on the process. Some resort to co-signers. I am here to give you the best method to establish your credit. Join a local credit union. By joining a credit union you will have access to multiple financial services and financial advice. A representative will personally guide you through your options to create a program that works best for you. I suggest starting with a small credit card and small loan. Those are easy to qualify for and will help you qualify for auto loans, mortgages, student loans and large limit credit cards in the future.