Obtaining a small loan, even if you don't need one, and then repaying it promptly is a good way to establish credit.

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Taking out a small loan and repaying it on time can help build a positive credit history and improve your credit score. This demonstrates to lenders that you are responsible and capable of managing debt. However, it is important to only borrow what you can afford to repay and to make timely payments to avoid damaging your credit.

Obtaining a Small Loan, Even If You Don't Need One