How do you get credit when report says you have no credit and never used credit?

You have to establish credit either via secure credit card or secure loan. Here is a excert from Phil Turner's Credit Bible: This is how the secured credit card program works. Applicants will open a savings account and deposit $250 to $500 with the bank that is issuing the credit card.

The amount that is deposited will be slightly less or equal to the line of credit you will receive on the credit card and you can increase your limit as you wish, usually not exceeding $2,500 The funds you deposit are receiving interest and are usually frozen up to Twelve (12) months with some banks. If you make regular timely payments for 6 to 12 months, your money will be released with interest and you can have your credit card without the security requirement, or to phrase it better, unsecured with a personal line of credit.

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