Land contract, or take out a credit card. If you can't get a credit card, then take out a secured credit card through any of the major companies, or a local bank. A secured card uses your own money as the max balance instead of the bank's. For every month the full balance isn't paid back off, you're charged the interest on the balance you owe. The card must be used consistently to show proficiency at handling credit. After a few months to a year of this, you should have a score.