If you don't have a credit history, it can be difficult if not impossible to qualify for a mortgage or get another kind of loan. But a new program from Experian will let you build your own credit report from scratch - without going into debt or waiting months to build up a solid payment history. Experian, one of the three major credit bureaus in the United States, recently launched a new program called Go that will allow people with no credit history to create their own credit reports.