[header] How to build credit without credit cards [title] Apply to rent an apartment. [step] When companies check your credit rating, it helps you to build credit. These inquiries show that there is interest in offering you credit. 
If you apply to rent an apartment under your own name, the rental company will most likely make an inquiry to the credit bureaus. [substeps] Renting an apartment involves the risk that you might not pay or might damage the property.