 I have no credit, where can i get a decent credit card? |
| i have no credit yet. and i need credit so i can get certain things i want. where can i get a good credit card when i have no credit?... |
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 I was fired the day after Xmas, they said that I can reapply in 6 months. Would you go back and work? |
| for a company who completely ruined your life? Could you go back and want to do your best for this company when without even a write up or warning just fire you?... |
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 I just turned 18 , how do i build my credit? |
| what are some methods that will help me build my credit i dont have bad credit i have "NO" credit how do i ... |
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| I was nearly fooled into Yes loans but have gone with best4loans instead. I found out they are a con too. So now I'm applying with black horse, but I'm baffled why I'm not being ... |
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 Purple $5 bank note? |
I have a $5 bill. and on the bottom right it has a big Purple "5"
when did this happen?... |
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 How to get a loan with bad credit? |
About 5K.
In need of good advice.... |
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 How much money do i have to make to qualify for a 264,000 loan? |
| I want to purchase a home that is priced at $285,000 I have 10% down, now I just need to know how much I need to make to qualify for a conventional loan.... |
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 What happens when you just stop paying on a credit card? |
| Seriously, I have bad debt once out of college and this one card has a pretty high limit and it's maxed and I have tried calling them for assistance but they refuse to help me out and lower my ... |
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| I have an aspire credit card which I haven't had any trouble out of but I want to get rid of it before its time for the annual fee of $150. What is the best way to get rid of it. Cancel it and ... |
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 I have $2000 in debt. I want to take out a loan to pay this off. What kind of loan should/could I get? |
| I have almost $2000.00 total in credit card debt, on three different cards.(CitiCards: $1000.00, Capital One: $700.00, and Gap $200.00.) I have cut up all of my credit cards, but have yet to cancel ... |
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 Why would someone fraudulently purchase items on my credit card and send them to my house? |
| Several items were purchased on my debit card and some of the items bought were sent to my house. I can understand why someone would buy something for themselves, but why steal my credit card # and ... |
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 Why do creditors put so much importance in credit score? |
| I mean ok I go to apply for a loan and check my credit score with experian before I leave. Experian says my credit score is a 656. I have no late pays, no over limits on my credit cards or anything ... |
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 Money has gone missing from my account.? |
| I went to head out last night and went to the ATM to get money out, knowing I had at least £60 in my account. It wouldnt let me take it out, said I had insufficent funds. So, I checked my balance ... |
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 Credit card debt that is 6 years old? |
| should i pay it off ( the $2,000) or not? is there a statue of limitations on credit reporting? if yes, how long is it and should i just wait it out or would i still be responsible for this old ... |
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 I have moved to the U.S. a month ago. I have no credit history. how can I make one.? |
| whatever I want to do and need load they are asking for a credit history which I don't have. what can I do. I live in burlington, VT.... |
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 What documents or proof do I need to show my son has worked? |
| Are there certain documents I have to get to show that my son worked at a certain place? What is it? He's 15 going to be 16 this year. He wants the evidence for a school credit or something.... |
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 Bad credit need Credit card !!!!!!!!!!!!? |
| I HAVE A SCORE OF 460 AND EVERYTIME I TRY TO APPLY FOR ONE I HAVE TO PUT MONEY DOWN OR SOME BS... |
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Laci M | I need to rebuild my credit!!!? |
I need to rebuild my credit, but I can not even get a card for people that need to rebuild there credit. Does anyone have any suggestions what I can do to rebuild my credit? I need to get a credit line of some sort with a place that reports to the credit agency.
Additional Details
OK, I need to elaborate... I have all my bills paid off, I have nothing on my credit report, but need more credit. We want to buy a house. But I don't have enough credit to even get something to build credit. |
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echo
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There are a few ways that you could try.
I hope you aren't planning on getting the house for at least 6 months to a year. Even if you get approved for credit right now, it will take some time for it to help you.
One thing that you could do that would help you fairly fast is if your husband has credit cards that are in good standing with low utilization, have him add you as an authorized user. Or maybe your parents could do that for you. Just be sure that the cards have a great history and low utilization or you will be defeating your purpose. Also, request that the credit card company report on your credit reports.
That is one of the quickest ways to improve your credit.
If you can be added as an authorized user, wait until they start to report before applying for credit.
Once they start to report, or if you cannot be added to anyones cards, try for secured cards. Check Bank of America, Orchard Bank and HSBC websites. They have a card selector on their sites that will not pull a hard inquiry. If you apply for a recommended card, then they will pull a hard inq. Keep in mind that even if a card is recommended, you can still be denied.
You might also try Chevron/Texaco. If you don't qualify for the regular gas card, they may offer you the rebuilder card.
Try not to apply to much if you are planning on purchasing a home in the next 6 or 12 months. The inquirys might work against you.
If you are planning on purchasing a home sooner than that, I would suggest going the authorized user route only. That way you won't have the inquirys and you won't have new accounts bogging you down. New accounts will hurt you if you are planning on making a major purchase within 4 to 6 months after opening the accounts.
One other place you might go with is Crown Jewelers. They do not pull your reports, you will automatically be approved. Their bit is that you have to make a purchase for them to report. But, you can make a small purchase, around $20 or $30 and have a $1500 credit limit on your reports. (even though they will probably tell you that you are approved for $500, from what I've heard they will still report it as $1500 and not just $500)
One other thing that you might try, if you are not planning the home purchase soon, is to get a small "short term" signature loan from your bank or credit union. Don't spend the money on anything but to pay the loan back. You will have to pay some interest though. But, it probably would be pretty much the same as if you had to pay a yearly fee on a credit card. |
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da_hal
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you have to get a cash-backed credit card. basically, what you do is deposit X amount, and that becomes your credit line. until your score improves, you cannot borrow more than what you deposited. most banks will do this for 18 year olds, as this has almost no risk for them. |
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Firefly
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Just say no! to credit cards.
&&&& |
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Harvy S
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You could check out this credit card. It doesn't check credit history and you are guaranteed acceptance. It reports to all 3 credit agencies. It starts out witha low limit, but gets bigger as you pay on time. This way you can't get into too much trouble either but rebuild your credit too. Good Luck.
http://creditoffernow.com/imaginecard |
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*~*Ariel*~*
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justpay off everything you ow one at a time dont frustrate ur self |
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bigjohn B
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Pay your bills on time, every time. |
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gum s
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Step-by-Step Credit Repair Guide
http://www.debt-loan-refinance-mortgage-credit.com/category/Step-by-Step-Credit-Repair-Guide.html |
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fragle2c
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i dont know y anybody neads credit
im 35 and dont have any credit at all |
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aheitzman
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Hi Laci M,
I know you said you have tried getting a rebuilding credit card but have you tried the Orchard Bank Mastercard? Because they almost accept anyone and it is designed for people like yourself. It actually reports to the three main credit bureaus when you pay your bill on time so that you can raise your FICO score faster. I would reccomend checking it out at least.
http://www.0-apr-creditcards.com/orchard-bank-mastercard.htm
Hope this helps you! |
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itstimeforachance
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Ok to answer your question you need one of the following:
1) A "SECURED" Credit card. What this means is that you put X amount of dollars and that will be your credit limit. But the credit card company first has to get your money as security to issue your card. To be safe...put in @ least $500.00 that way you won't be denied a secured credit card v.s. $300.00 this will increase your chances of getting approved just in case your FICOs are very very bad.
2) You can try orchard credit cards or God forbid First Premeir...the thing you have to know about First Premier is that they charge an arm and a leg in fees...they only give you a credit limit of $250 but they hit you with a annual fee, a "preparation fee", a starters fee, which all totals to $170 dollars....also pay your bills right away via the mail...becuase they charge $7.00 to pay your bills online...yes you heard correctly they charge you for you to pay your bills online..but via the mail you shouldn't have a probelm
ORCHARD get them if you can!!!!
---also in terms of getting a mortgage...you can try a sub-prime lender they usually go 500 but more below then that will be a pretty pretty high interest rate and you may not be able to afford the mortgage payments |
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Dwight D J
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there's secured credit cards out there and Capital One is often willing to take a chance...even my wife got a card from them, a month after her Ch 7 was final...we pay it very well and her score(less than 2 years post-bankruptcy)is approaching 700 |
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old lady
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There are credit companies that specialize in giving credit to people who have no credit rating. It's part of a brokered risk plan -- that is, they spread the risk around through a number of other companies, so if there is a loss, it is shared out equally. And if the person pays up, everyone benefits.
There are also credit cards you can get from a store, that allows you to shop in the store and use their credit card. Then you pay their bill at the end of the month. That might be the easiest way to begin. Get a card, make a purchase, pay it off. Then get another card, make a purchase, pay it off. If you can keep up with your payments and pay them IN FULL (not the minimum payment) you won't have to pay interest.
You must have a line of credit with the telephone, light and hydro companies? How have you handled them? They can be used as credit references if you have kept up your payments.
If none of this works, join a Christmas Club. Sounds corny, but what you do is pick out stuff you want to buy for Christmas and then you make regular payments, but you do it up front, before you get your goods. Nonetheless, the fact that you can keep to a payment schedule counts with the credit raters.
Good luck -- it isn't easy to overcome a bad credit rating, but it can be done! |
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enterprisefence
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pay your bills when its due that will help u very much |
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David D
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There may be something of use here. |
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camoprincess32
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Apply at Aspirecard.com
they are "secured" credit cards for ppl with debt or credit problems.
Good luck! |
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