<p>If you are fortunate enough to have financially responsible parents, then ask to become a joint holder on one of their accounts. The entire history of that credit account will be added to your credit report.</p>
<p>You could essentially have years of credit history when you are 18.</p>
<p>Obvious downsides:
- if you’re financially irresponsible, then your parents are risking their money and credit score by allowing you to use their credit card
- any missed payments on that card go on your record as if it’s your card. Their default = your default</p>
<p>If you have the right relationship with your parents, however, then it’s a great temporary solution. Become a joint holder, then apply for a credit card, then stop being a joint holder.</p>