Costs of Your Credit File
  Little or No Credit History
  Building Your Credit File
 
  Building your own credit file  
  If you do not have a credit history, you can help your cause by building your own credit file. You can do this by saving your bank records and payment stubs showing on-time payments, regular paycheck deposits, and savings balances. Good record keeping is usually a sign of a financially responsible individual, and helps your lender recognize that you are not a high risk.