When we think of improving a credit score, we often think of using credit cards.
Indeed, one of the fastest ways to build credit is to open a credit card account, and use it regularly, paying down the balance on time.
However, many people are wary of credit cards, and would prefer not to use them. Unfortunately, some sort of credit history is needed in order to qualify for some loans, especially home loans and many auto loans.
The good news is that it is possible to establish and build up your credit score, even without credit cards!