“I don’t have a credit history, so how can I get credit?” People who are attempting to open a credit account will most likely ask a question very similar to this one. The lack of credit can be as detrimental at times as having bad credit. That is, unless you find out how to convince a possible creditor that you are worth the risk.

The crazy catch twenty-two: How is it possible to obtain credit if there is no one out there willing to take the risk and give you credit because you don’t have a credit history? One possible way to start is to request a letter of credit from a company, who would not normally report to the agencies, with whom you have had some commerce already.