So this sound like you don’t want credit cards. But inorder for lenders to evaluate you credit worthiness, you will need to open a credit. So you can start with a secured card. For example, with Capital One, you can start off with 300 secured card. (That is you own money on credit card). Use about 30 percent equivalent to 90.00. Make you payment regularly and ahead of due date. Do that for three months and you will see your credit improving.