dalepate74
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A secured credit card may help - this means you may pay $200 -$500 for a credit card that has only a $200- $500 limit but use it monthly and only on items you know you can pay off quickly. Within about 3-6 months it will help your credit score as long as you are paying other bills on time and not maxing out other accounts. |
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Mimi
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By depositing a few hundred $$$ into a bank and apply a secured Credit Card. Keep using this card for everything you can think about and pay it off every month "IN TIME"... years later, you will have a good credit history... |
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eeyore5700
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you have to get credit to get history........try just getting a basic club book first |
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t3h1
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get a bank account, get plenty of money coming in and leave in what you can and after a while ask the bank for a loan, they will look at your account history more than your credit score.
Also pay your electricity through a bill rather than a pre-pay meter, your gas and car/homeinsurance too.
this will give you a good record of paying up and they will all accept you without credit checks.
another good idea is to get a mail order catalogue like kays or something, you apply for an account then buy a few reasonably priced goods and pay up in cash as they too will refuse you credit, after about a year or so then ask for a credit account and they will look at your file and see you like to pay them and they will accept you.
if you keep applying before you have a good report then all you are doing is making your report worse each time. |
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jb_cpq
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Get a checking account with an ATM. Use the card and never bounce a check. Build your balance over time.
After some time, get a credit card at a clothing store or a Best Buy or something like that. Use it occassionally, but always pay it off.
Over time, these cards will increase your credit limit. If your available credit grows, so will your credit score. But it take a long time.
Just be careful all that plastic doesn't create a monster out of you. ALWAYS pay everything off everytime a bill comes. NEVER, make minimum payments.
My credit score is 790. |
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yourqueenofall
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Go to your bank where you have an account. Take out a loan for the minimum amount they'll loan you. Don't spend the money just use it to pay them back. SMART! It worked for me and my brother! |
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Nunya
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Get a checking account and a secured credit card. (That is a credit card where you put money up front for the amount of the credit line.) |
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janet m m
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You need to reg to vote , you will have a credit history if you have a bank account. have a look at your record with experian
you could get a credit card with capital one . keep it low .get abalance of £200.00 use it and then pay the balance of straight away .you will then start to get a history butbe warned becareful
do't let the credit go to your head . that how you get into trouble.
credit card are great for those emergencey but what tends to happen because you pay and clear your balance the company start to increase your balance and then increase the balance
then before you know it the cardbalance is £5,000. and your maxed out.
You have a high paid job the balance normally go off your earnings but you can tell you don't want the increase.
always take out payment protection on cards some companys
charge per balance some will cover all cards. but make sure you cover your self .
Be aware that all credit is added to together so your max borrowing is normally three times your income but that loans morgagae everything .so don,t take out a LARGE LOAN IF YOU ARE ALSO TRYING TO GET A MORGAGE . |
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Burnbaby
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I don't think you can. Ridiculous, I know.. A friend of mine said when they bought their first house, her husband had to get a credit card, even though he had no intention of using the thing. He then had a 'good credit history', so they agreed to a mortgage. Nuts, huh?? |
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riza 1
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get a whole lotta of credit cards and run those beotches up!!!
its the only way to get credit. |
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Fragile Rock
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Do you have credit cards? Own property? Bought anything on HP? Ever been in debt? Continuously in over-draft? These are possible ways of establishing a Credit Profile (positive or negative). To get the ball rolling, take out a small loan from your bank, or apply for their credit card. They'll probably only require bank statements which they'll have access to anyway. Once you've got the loan/credit cards and have proved how responsibly you handle credit by meeting your regular payments, then you could apply for credit elsewhere.
Check out the Experian or Equifax website for more info. They handle everything related to credit. |
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morrison13@btinternet.com
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you can't get credit history unless you actually pay something on a regular basis, then the credit company can check to see if you make your payments on time, having a mortgage can help also applying for a credit card. |
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taketwo
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dunno |
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TRANSLOPEDIA
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The federally mandated free credit reports are being gradually rolled out across the country, beginning on the West Coast last December. Starting September 1, 2005, every American will be able to get a free credit report per year from each credit bureau. ( BY MAIL ) all on line will not give you your Fico score that is different from credit score... Here is the information where you can get your free credit report free from the 3 mayor company in USA.
Best
http://www.experian.co.za/
http://www.equifax.com/?id={ovmtc:standa...
http://www.truecredit.com/index.jsp?turn... |
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crazy b
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with a cosigner |
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Jackie
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If you're a student with a steady job you ought to be able to get a student credit card to get you started. The interest rate will be high and the credit limit will be low but that's about all you can do. If you have any student loans you'll establish some credit by paying them back. Also, a bank MAY give you a small loan which you can repay to get some credit history. Good luck :) |
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jayne
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Bank account helps, mortgage , but believe you me its not worth getting yourself into debt, so think about it why your clean. |
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Springtime
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If you're a student with a steady job you ought to be able to get a student credit card to get you started. The interest rate will be high and the credit limit will be low but that's about all you can do. If you have any student loans you'll establish some credit by paying them back. Also, a bank MAY give you a small loan which you can repay to get some credit history. Good luck :) |
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flguy48tc
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since you work, i guess you got a car,if not, go to a buy here pay here car lot, thats what i did along time ago and i got the car on credit.then after that i got my first credit card from best buy...you should try them...now i got credit up the,you know what >>>>> good luck |
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hammerzhurt_you
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dunno |
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damien r
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you need to get a credit card or a store card or a loan through your bank and pay it off properly |
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Julie
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You can go to your bank and ask for a secured credit card for starters.
Depending on the type of loan that you are looking for, you may want to also use non-traditional forms of credit such as phone bill, power, gas, cable, any places that you have gone to and they do not report to the credit bureaus.
Ask them for a print out of your services for a year.
You might want to also set up a savings account, with deposits and no withdrawals, showing the ability to save and make timely deposits as well.
Your bank might also ask for this to happen first before even the secured credit card.
Do not go overboard once you are able to obtain credit of any kind. Be wise, educate yourself on finances attend a financial education seminar. Don't borrow what you don't need. |
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Robespierre
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You don't and you don't need one. You are judged on a clean sheet if anyone wants to take a chance on you. |
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tonyinspain
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IT MAY BE TO DO WITH THE PROPERTY YOU LIVE IN USUALLY IF A BAD DEBTER LIVED THERE PRIOR TO YOU THEY MAY HAVE RUN UD DEBTS ON THAT ADDRESS AND THE FINANCE COMPANYS HAVE BLACKLISTED THE ADDRESS.
TO FIND OUT WHERE THE PROBLEM IS WRITE TO ESPIRON AND ASK FOR ACOPY OF YOUR CREDIT REPORT YOU HAVE TO PAY FOR TIS AND THEY WILL SEND YOU A COPY HOPE THIS HELPS TONY |
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*****
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You can't unless someone extends you credit, so that the credit bureaus can view how well you pay your monthly bills. |
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clint
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Let me just explain that all the answers you received for others are great although it takes way to long. If you want instant credit in thirty days without paying for it here is the simplest way in the way of credit that is possible. Have your mother, Father, or friend that has great credit add you as a user to an existing credit card. The next month that this reports it will show up on your report as if you have had the account for several years. At this point you then go apply for a new credit card on your own. If you need anything else let me know. |
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Old Fart
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The short answer is, you have to borrow money.
I have to say I am not certain how it works nowadays but perhaps
if you enter an agreement to buy something on hire purchase and pay it off properly, you would then gain a credit rating.
Having done that your letter box will never be empty.
Have you tried approaching your bank? |
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Ant
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This never made since to me, you try to get credit, but can't because you don't have enough credit, but you can't build credit because no-one will finance you.
What you will have to do is open one or two high risk credit accounts, they will usually finance anyone, just make sure you pay early every month, stay below your credit limit, and pay more than the minimum payment every month,m if possible double pay. Capital One is a good start. The bad thing is that every time you apply for credit and are turned down, it reflects on your credit report, so doing to many will hurt you as well. It will take time to build your credit, so just be patient, and once you get it, do everyhting in your power to keep it in good standing, my credit is pretty bad, and that is just as bad as having no credit, but it takes years to undo the bad, where all you need is to build it and better offers will come to you. |
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Jinha
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Try departmental store cards -like Macy's. also discover was the first one to give me card without any history |
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Candy
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That's a difficult one to answer... |
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scallywag
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Apply for a credit card from your bank. Even if you only use it to spend £10 per month and pay off monthly, you should be able to build up your credit. |
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