Laugh about your debt now, but when reality hits, you need a roadmap.
Get a copy of your credit report and review it for errors. Take action to address any errors you find.
Apply for a small loan at the bank, thrift, or credit union where you have checking and savings accounts.
Apply for credit with a local store, such as a department store. They typically have a lower credit limit and a higher annual percentage rate (APR), but are generally more willing to lend you money. There is usually no fee for department store cards.
Make a large down payment on a purchase and negotiate credit payments for the balance. If you do not have a credit history but have a large down payment, there is less risk you will not make the payments. For example, if you are buying a used car for $5,000 and have enough cash, you might consider making a down payment of $1,000-$3,000. Although the loan will be very small, it can prove you make your payments on time.
http://www.debtfree-roadmap.com
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