How hard is it to get "no credit" to a score of 650?

Try a secured card

It would take you about a year maybe two. You need to make your payments on time. Rent to own, is simply contract for deed. Very very risky, and you have to put up at least 10k. I have seen so many people get into that and lose money, and their home.

cell phones do not help your credit. the only thing it does with your credit is give you bad credit if you don't pay it at all or on time. it has nothing to do with good credit. so don't buy into that lie...like alot do.

can you get a small loan from a bank? nothing outragious, something you know you can pay back within a reasonable amount of time (maybe even early), and that could get your credit up. do you have school loans? that helps too. or a credit card. i was able to get a credit card with no credit. don't get your favorite store, it's too tempting. get one somewhere you don't normally shop, like a hardware store lol. get something, pay it off in time or early, and cut it up. don't do what i did. i got a sears card then found out you could use it at Kmart, which our has groceries AND a gas station...so it was grocery and gas money...not good lol. GL

it shouldn't take that long...however, when making the decision to buy a house, they will look at much more than just credit cards...you will want a MUCH higher score than 650 if youre buying a house...that's not really considered that great. They will base your interest rate, money down, etc on your score. have you ever made payments on a vehicle?? that will be much more substantial when buying a home. They don't mess around when they approve someone. My score was 735 and they said it wouldn't hurt to get a little higher....you may want to do a rental or a lease through a company or a condo complex that can report on your score.

You may also have to get a co-signer.

another piece of advice is don't get a LOT of credit cards...they want you to have revolving credit but not tons of it...once you pay something off, cut the card up but DON"T close the account. they don't like seeing that either..

calliesmommie is right. 650 will not buy you a house, you need 740 at least. you will also need 3 open lines of credit, such as 1 car loan and 2 credit cards, for example. if you have no credit what so ever it will take you at least a year and a half to build. you need to be paying all your bills on time. try applying for a credit card with capital one, they are the ones that usually will give one to someone with no credit. you will have high interest for a while until your score builds. when you buy a home they will look at your payment history and income for the past 2-3 years, depending on the bank. try applying for a loan at a credit union, they give better rates than banks do. GL

We just got approved for a loan and our credit is at 700...

It's not saying you won't get approved...some places will approve anyone..it's a matter of what your interest rate will be. Someone can go get a car with no credit or bad credit and get a loan for 28%.....