 TITLE: How to Get a Personal Loan Without a Credit Check CONTENT: How to Establish Credit When You Have No Credit History\n-------------------------------------------------------\nIf you don't have a credit history, establishing your credit and building a good credit could be helpful. Even if you don't want to take out a loan or get a credit card, good credit can make it easier to rent an apartment or get a job. In many states, your insurance premiums may also be impacted by your credit history.\nTo get started, you'll need your accounts and payments to be reported to the consumer credit bureaus. Many people use one—or several—of the following approaches:\n*   Open a secured credit card.\n*   Take out a credit-builder loan, lending circle loan or peer-to-peer loan.\n*   Become an authorized user on a trusted friend or family member's credit card.\n*   Apply for a credit card that doesn't require a credit check.\n*   Sign up for a rent reporting service.\nOnce you've established your credit, be sure to manage your accounts to build good credit. Making all your debt payments on time and only using a small portion of your credit limit on credit cards are important ways to improve credit scores. END