So I guess my question isn't really about getting out of debt so much as just building credit. My problem is that I basically have no credit and the three things that are on there aren't so hot. I had a credit card 9 years ago, but got rid of it because as a broke 19 year old just starting out I relied on it way too much and dug myself into a hole. I've been terrified of credit cards ever since. Then I had a tiny student loan for a vocational school I attended. I paid mostly on time except for one 2 month period.
Since then I haven't taken out any loans or credit cards because I don't want to spend money that I don't have. The problem now is that since 50% of my small and old credit history is bad I can't qualify for a mortgage or get a decent rate on an auto loan. What is the best strategy to build my credit?
Cassie in Colorado
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