Originally Posted by
Effy1987
That's interesting because when I clicked on the option to make changes, it was giving me prices on how much it would cost to change. I sadly don't have a credit card. I am a Brit living in the US and companies don't seem to want to give me Credit cards or even put me on my husbands car finance because I don't have a credit rating here...Annoying catch-22 thing

Growing up, I always had a card in my name, but that was my parents' account. I had no credit myself.
Local bank gave me a $1000 loan with a $1000 CD as collateral. Made payments - think interest cost me $3 a month.
By the end of 6 months, had credit score in the 700's. Just a thought.