tiannabooboo
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ask your family or friends with good credit to add you as an authorized user on his/ her credit account. Mainly someone who has had an account open for at least a couple of years and is in good standing...the same information will show up on your credit report as if you had that account also for a couple of years |
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lgdatsme2@sbcglobal.net
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You're in luck! All you need to do is go to any local automobile dealership and apply for a loan on a new or a used car. Save some money and buy a car. Don't make ANY late or slow payments and follow through to the very end of the loan contract with the best of your ability and you will be started on the road to a solid credit history. Good luck! and Good shopping! |
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nora7142@verizon.net
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start with a debit credit atm card on yr bank acct |
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Karma
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Get a 'student' card through Citibank or visa and then put a low amount on it each month and pay it off in full every month. If you don't pay it off in full though you could screw up your credit so make sure your responsible enough! |
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johnb693
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See if you can't buy something like a second hand car, and arrange for payments.
Make sure you can meet the monthly payments, and make them on time. It may take a few months, to build up your rating, but if you are careful, you will be on your way.
Often, department stores, or places like Home Depot, will offer you a credit card.
Same thing again, don't go over board, and pay promptly. |
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cindy_cee13
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First, get a job. You need a steady income to get credit. Then apply for a Wal mart credit card. |
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c_schumacker
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Start off with things that have collateral like a car - you might need a co-signer but once you've handled that loan for a couple years you should have no problem from thereon. Be very conservative with your credit. Regarding credit cards, if you don't have the money, you can't afford it. It is much easier to build credit than it is to repair it. Good luck. |
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ghost_of_morphy
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Ok, here's a simple way. Get a gas card at the local gas station and fill your car up with it once a month. Pay off your balance as soon as possible every month.
Credit card applications will soon be cramming your mailbox. |
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leadbelly
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the most effective way to establish a credit history from scratch is to save money into your bank account.
if you can show a year or two of steadily increasing bank balance, preferably at least thirty bucks a week, you will be able to prove yourself.
remember to be currently employed when applying for a credit card. |
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rockEsquirrel
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1) Get a PrePaid Credit Card (stored value). 2) Get residential rental contract in your name. 3) Get Telephone and Electric Utility in your name. 4) Buy an affordable automobile at a new car dealership. 5) Be patient, and PAY EVERY BILL ON TIME WITHOUT FAIL>>>>>>>> |
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victim_of_changes!!
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gas stations like chevron, easy to get & low opening line of credit. |
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lukeceu
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There's a solution: A secured credit card. They are easy to get and several have highly competitive rates and fees. A secured card is one in which you open a savings account and agree that the card-issuing bank can use those funds to pay off your card balance if you cannot. In essence, you are guaranteeing your line of credit with the deposit.
Secured credit cards aren't the domain of deadbeats and bankrupt people, as you might suspect. And the cards look and operate no differently from the regular credit cards your friends are using.
The institutions offering secured cards are some of the best-known in the nation--Key Federal, Bank One, Household Bank, Chase Bank USA and Citibank. You can search secured card offerings on Bankrate. While you're at it take a look at the Bankrate feature, "Baby-step your way to credit with a secured credit card," about secured credit cards. Good luck!
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or....If you belong, or are eligible to belong, to a credit union, try applying for a credit card from that credit union. The National Credit Union Administration Web site can help you find credit unions in your area. |
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airaiboi808
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apply for a Department store card like Macy's, or a try Orchar Bank online. |
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LovePinkPuffies
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Stay AWAY from credit cards, or anything which has a limit beyond $1000
This country and virtually everyone in it has become a slave to debt. Don't let it happen to you! |
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bang_alotta
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apply for department store credit cards, etc. |
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A3
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Have your parents put your name on a credit card. They charge a couple of things, close it and bamm you've got good credit. That's what my mom did! |
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emesghali
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Your credit score is dependent on how reliable a spender you are. Credit is when you buy something that you cannot afford and in a way promise to pay back later. At your age the only real avenue to building credit is using a credit card. If you spend reasonably and pay all your bills on time, never accumulating debt, you credit score will slowly rise. You will also see that credit card companies will allow you to spend more and more per bill, because they trust that you have the maturity and responsibility to pay it back and know what you can and cant afford. Once you are older many things affect credit from paying rent to keeping up with mortgages and financial obligations. Hope i helped. |
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megsgem
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get a job. get a bank account. get a credit card. put your gas and small expenses that you can pay off monthly...get a small car loan. pay it off on time. get a cell phone. pay the bill on time. in a year you will have established good credit. no credit is better than bad credit. behave yourself when you spend...be thrifty and your money will go far. |
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cargirl
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Sign up for a walmart/ old navy/ department store card.
Once you have a balance limit of $500.00 start putting small items on it, pay it off asap.
Do this for a year or so and you will start recieving offers for other cards.
Or open a bank accound, have it tied into a credit card.
To keep you score high never owe more than 1/3 of the card has available. |
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karabee22
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if you are attending college already or in the fall, open a student checking account with bank of america. They will give you a small credit card from $500.00 to $1000.00 that will get you on your way! |
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uledeon
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Purchase some items, and pay them off responsibly. Creditors like this VERY much, especially the younger you are. Credit cards are a good way to start out, maybe even a used car under $5,000. Pay it off and MAINTAIN it, and it should help you quite a bit!!! |
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chuck
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Get a credit card to a department store, use it and pay it off each month. Department store CC's are usually very easy to get. Once you've used it (and paid it off) for a few months go get a visa or mastercard. |
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scottFL007
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Really, being a student is the best way to get credit established. All the major credit card companies have programs set up for offering credit to college students that have no credit history.
Also, if that's not your situation, usually someone like Sears, JC Penney, or other department stores are pretty flexible about letting you get a store credit card without having a lot of previous credit established. You might also try gasoline credit cards, but I think most of them don't exist anymore.
Finally, a warning: be careful about establishing credit jointly with someone like a parent. It could work well, but it also could backfire. I had a friend who tried to do that, and his mother ruined his credit by misusing the account and then not paying on it when she promised to. Any kind of joint credit is risky, even if you know the person is trustworthy, because even the nicest people have fallen on hard times, and there's no telling what could happen.
Best of luck to you.
P.S. Having a good credit history is not nearly as important at your age as having a good investment strategy. Don't get caught up in the borrower's culture. Be an investor instead! |
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bubblybrunettedee
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I WORK FOR A FINANCE COMPANY, SO THE FIRST THING I WILL TELL YOU IS TO GET A GOOD CO-SIGNER, SOMEONE WHO HAS GOOD CREDIT. GO TO A FINANCE CO OR A BANK AND BORROW A SMALL AMOUNT OF MONEY, LIKE $300-$500, GET A PAYMENT THAT YOU CAN AFFORD SO THAT YOU ARE NOT OVER WHELMED, PLUS YOU HAVE TO HAVE A JOB, THAT WAY THE LENDER KNOWS YOU CAN PAY THE MONEY BACK. PAY YOUR PAYMENTS ON TIME AND KEEP THE LOAN OPENED FOR AT LEAST 6 MONTHS SO THAT FUTURE LENDERS CAN SEE YOUR PAYMENT HISTORY. |
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llltazslleyeslloflltrullblulll
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go to a bank and part with say like $300. Get a credit card from them with a $300 limit. The bank will generally hold your $300 for a year or more, but making payments on time over time is more important than how much you make or pay a month for the payment. |
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lady r
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several companies grant student credit cards. the first thing I would recommend is opening a checking account (to me it is wiser then using a credit card to start out)...my daughter did this at 17 and they offered her a credit card when she turned 18 because of her good standing with her bank account. |
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gfromansone16
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go to http://www.orchardbank.com and apply for a secured credit card. This is a credit card where you deposit money in an account, and your credit line is that amount. The great thing about this is even though its pretty much a debit card, they report to the credit bureaus monthly which increases your credit score. |
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BrownGirl
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i would suggest either a department store card with a small minimum to start. You could always use CapitalOne... if you are not approved for a regular credit card, for a small fee of 100 bucks or so they will give you $300.00 on a credit card until you prove your credibility with them. then after a year (with good payment history) it becomes a normal card,you get your deposit back and you may also be eligible for an increase. GOOD LUCK! and make wise spending choices... |
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