1) Get a 1000$ loan from selflender.com 2) Open a small store card (same as cash? example a furniture / mattress store) make sure they report your loan. 3) open a secure/unsecure credit card Setup auto pay - minmum to all of the above. Remember the key is to keep your balance below 10% of your limits, inreference to store credit card, if you were planning to pay cash for the thing get the card anyway then pay online 90% of your bill in one installment. Rest 10% spread out your period. Otherwise the credit score formula looks at the store card as 100% usage of your credit limit. In 3 to 6 months your score will improve dramatically if you don't do anything else.
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