It's pretty simple. Sign up, select a referral account. I recommend doing any of the Level A credit report offers. They're completely free & you can cancel before the trial ends so you won't be charged & you'll still retain credit. You also get credit instantly. BIG TIP: In order to get credit, make sure your browser is accepting all cookies. Google if you're not sure how to do this. Once you get your credit, start referring your friends & family.