How to get better credit rating?

I've never had any credit cards, CCJ's etc., and know that I would probably improve things greatly by getting a credit card, but I don't have time. I need a loan now, so is there ANY way I can get a good credit rating? Even zopa.com, the ebay of loans, denied me, because they couldn't find any credit information. Thanks

How to get better credit rating?
If you have a bank account, try throught your bank, see if you bank offers you lending facilities.
Reply:Have you got a bank account if yes take out a small loan then go from there.Good Luck %26amp; Happy Easter
Reply:i went for years without having a credit score, and i finally managed to build it up by getting a contract mobile phone, and a store card or 2... once you have proven yourself worthy then the credit companies will start considering you... just remember how damaging it is if you miss payments etc, it stays on your credit file for 6 years. basically, you have to earn the credit, and it wont happen instantly, but try a store card such as Argos and see if the loan people then accept you.