Unless the system where you are is different from here (which may be possible, I don't know enough of the details to tell) this is the remedy for lack of history as well. Credit companies try to tell you that you need to carry debt (and pay them interest) to establish a good credit history, but that's not the case. They're still making money (off the merchant who pays fees to take credit), but at least they aren't making money off *you* while you're building up a borrowing and reliable repayment history off small things like groceries and gas.
Alternately a small personal loan (for something like buying furniture) isn't a bad idea provided you can get a decent rate. As much as I loathe paying interest or fees, it *is* a viable strategy.
I understand the desk-hiding. Mine is a substantial L desk, with a lovely amount of space. One can even take a novel under there... ;)
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Date: 2009-04-28 05:11 pm (UTC)Alternately a small personal loan (for something like buying furniture) isn't a bad idea provided you can get a decent rate. As much as I loathe paying interest or fees, it *is* a viable strategy.
I understand the desk-hiding. Mine is a substantial L desk, with a lovely amount of space. One can even take a novel under there... ;)