Clark often gets calls from people who have never established credit and need to know how to do it. It’s changed over the years, starting with secured credit cards and transition periods. Now, there is another way to establish credit through General Electric. That’s right. In addition to making appliances and jet engines, GE is also a huge lender. The company does a lot of store credit programs and plans, including Wal-Mart, J.C. Penney and Circuit City. GE has factored in the risk of default on these cards, and even calls people who apply to offer a little consumer education before they start using the cards. The program is called, “The Road to Credit,” and it’s available at seven different retailers. Clark wasn’t able to find the list of all seven, but ask about it when you’re in one of the stores we mentioned. It’s a great way to get started and establish credit.