No credit how can I get credit?

[Speed_N_Blood]

Ok im 22 and have no credit whats so ever. I dont have anything on my credit file at all. I was wondering how would I go about establishing credit. Keep in mind I have no cosigners so im shit out of luck on that one. So what would be the simplest way to get started. I have applied to every single credit card company over the past 2 years and no biters:Ohnoez: please help!

[biglos]

get a secured credit card :thumb:

[Gunz4Sale]

Maybe get a secured credit card.

Edit: ALready posted

[SuperSpud]

go to your bank and talk to them about them (assuming you at least have a checking account)

more often than not banks that you an account of some sort with will be more likely to give you a credit card than just applying to some random company.

my first credit card was with wells fargo whom i had been with for a while, now i constantly get credit card offers.... extremely annoying....


or, get a secured credit card as previously mentioned

[Gunz4Sale]

For secured cards, this one seems to be highly recommended. Idk much about them but it seems like a win

good news on the National City secured card: Everyone is approved, they report as unsecured to all 3 CRA's, and pull a CR only to verify info. CSR said it can go unsecured as soon as 12 months.

Note: Min. deposit is $250; max. is $2,500. Annual fee is $36/year billed @ $3/mo. Purchase APR is 15.24%, Cash Advance APR is 15.8%. Balance Transfer APR is the same as Purchase APR. 25 day grace period. (From the Secured VISA Card Disclosure document as of 3/10/2004.)

There is no online app. - you must call them at 800-762-0974 and request one be mailed to you.

If you need a pos. revolving credit TL, I highly recommend going the secured route with National City. (They are considered a prime bank and are one of the nation's largest financial holding companies.)

http://www.nationalcity.com


ALso this can be converted to a regular account after 6-12 months.

[inhale]

capital one hooked it up for me. gave me my first cc ( i has no credit when i applied) w/ a $500 limit. they raise it after some time i heard as long as you pay on time, etc. apply @ capitalone!

[Scr4ppY]

If your in college get a college credit card, I've applied a lot of my customers who have had no credit what so ever and they always get approved for college credit cards. Also do not try to apply at too many places, a lot of inquires will hurt your credit score

[Speed_N_Blood]

get a secured credit card :thumb:
I just sent my payment off for one of those with orchard bank

go to your bank and talk to them about them (assuming you at least have a checking account)

more often than not banks that you an account of some sort with will be more likely to give you a credit card than just applying to some random company.

my first credit card was with wells fargo whom i had been with for a while, now i constantly get credit card offers.... extremely annoying....


or, get a secured credit card as previously mentioned

I tried with my bank and I even have direct deposit with my checks and they said no:gonk: im with capitol one
capital one hooked it up for me. gave me my first cc ( i has no credit when i applied) w/ a $500 limit. they raise it after some time i heard as long as you pay on time, etc. apply @ capitalone!

I already did and thats a no go.
If your in college get a college credit card, I've applied a lot of my customers who have had no credit what so ever and they always get approved for college credit cards. Also do not try to apply at too many places, a lot of inquires will hurt your credit score

nope not in college so im screwed on that one thanks for all the replies:rock:

[Oni-San]

capital one hooked it up for me. gave me my first cc ( i has no credit when i applied) w/ a $500 limit. they raise it after some time i heard as long as you pay on time, etc. apply @ capitalone!

:wrd: Capital One gave me my first, but all to you really need is one. And always pay off the balance each month and don't charge more than 30% of your limit.

[xSaLee]

get a cell phone in your name? apartment? and of course with apt comes cable, water and light bills.

[DC]

Damn, 22 and no credit? Are you in school? WF has a great college account package. Free checking and a credit card with no annual fees to help you start building your credit. At 18, they started me out with an $800 credit limit. Now I'm 23 and my limit is $5,000.

[tdo]

Since you're not in college it's a good idea to start with a secured card. Please do research into the annual fees since they all vary. I can tell you that Wells Fargo's is $18. It would be smart to not leave a balance so you don't incur the crazy APR.

[IgotThatWenis]

Since you're not in college it's a good idea to start with a secured card. Please do research into the annual fees since they all vary. I can tell you that Wells Fargo's is $18. It would be smart to not leave a balance so you don't incur the crazy APR.

Secured credit card is the way to go. Do you have a cell that you pay for?

[PIYF]

If you can't get a CC, something is wrong. I had 2 at age 18 along with a cell phone with zero credit. I'm suprised in this day an age you can't get an unsecured cc.

[xSaLee]

usually when you graduate high school though the credit card offers come rolling in. i had my first cc at 16 under my mom... $2,000. now i'm 19 and my highest cc is $11,000.

[NisAznMonk]

usually when you graduate high school though the credit card offers come rolling in. i had my first cc at 16 under my mom... $2,000. now i'm 19 and my highest cc is $11,000.

That is because of your mom's credit history, not because you graduated high school.

[xxjustimajinxx]

capital one hooked it up for me. gave me my first cc ( i has no credit when i applied) w/ a $500 limit. they raise it after some time i heard as long as you pay on time, etc. apply @ capitalone!


man fuck capital one. they gave me my 1st CC and my limit was 200 and that was 3 years ago with a god awful interest rate at like 20 % or something. 3 years later my limit got pushed to 500 bux and i still got a high as interest rate.

i dont even use that CC anymore. every time i did call within that 3 year span to see if i can get a credit increase or an interest rate decrease fuckers would always tell me O YOU DONT QUALIFY for it right now. i was like even after 2 years i still dont qualify ?/ they said yep... man i get cc offers now a days wanting to give me like a 5000-7000 dola limit and cap1 still fucking tells me nope you dont qualify limit still 500 LoL

from then on i dont use my capone card EVER and dont trust them one bit LoL

[Brooklyn]

you dont need to start with a secured credit card. secured credit cards are usually for people who have fucked up credit and want to re-establish their credit.

apply for a regular c.c., you should be ok. they'll approve with a low limit and then it will increase and your credit increases.

if you go to college, get a college credit card.

PM for more details, I could for sure get you a credit card

[Gunz4Sale]

you dont need to start with a secured credit card. secured credit cards are usually for people who have fucked up credit and want to re-establish their credit.

apply for a regular c.c., you should be ok. they'll approve with a low limit and then it will increase and your credit increases.

if you go to college, get a college credit card.

PM for more details, I could for sure get you a credit card

Can you get a college card with bad-mediocre credit? And which bureau do you guys pull from?

[Flores]

Put $500 in a savings account. Ask the bank for a $500 loan, six month term, use your savings as collatoral.

Make payments for 6 months.

Congrats, you now have good credit.

[CrzyS4]

orchardbank is your no credit's best friend.

[jdc72cutlass]

what you do is go to the bank and get a large loan like 5-10K and then dont spend it. Then pay it back in like a couple months and the interest. You will be losing a lil money because of the interest, but you will build your credit quick.

[AzNVi3t2007]

Go to Conns and make a purchase of atleast $500.Then do monthly payments for 6 months so they can see u are responsible and not miss a payment.After those 6 months just pay it all off.thats what im currently doing now!

[CrzyS4]

what you do is go to the bank and get a large loan like 5-10K and then dont spend it. Then pay it back in like a couple months and the interest. You will be losing a lil money because of the interest, but you will build your credit quick.

LOLOLOL!!! He have NO credit. Name me 1 bank that let anyone lend 5-10k with ABSOLUTELY no credit.

[htownrolla]

What are college credit cards??? I go to UH and could really use a credit card for gas because I drive a v-8 5 days a week to school.

[Gunz4Sale]

2 Words

OX Publishing. You pay them a flat fee like 150 bux and they give you 5k in credit. They report to experian monthly and I personally use them. Also another good place to look are catalog companies. They'll give credit to damn near anyone for a fee(150 or so) all you have to do is pay the fee, buy an item so you establish history and then they report you positively.

[Gunz4Sale]

Heres some proof of the ox publishing, its the trade line from my experian report.


Item Detail
Dispute this item
OX PUBLISHING

Address:
851 E I65 SERVICE RD S S
MOBILE, AL 36606
No phone number available Account Number:
4....


Status:
Open/Never late.


Date Opened:
08/2007
Type:
Revolving
Credit Limit:
$4,000

Date of Status:
01/2008 Terms:
NA High Balance:
NA

Reported Since:
08/2007 Monthly Payment:
$0 Recent Balance:
$0

Last Reported Date:
01/2008 Responsibility:
Individual Recent Payment:
$0

[gfy]

LOLOLOL!!! He have NO credit. Name me 1 bank that let anyone lend 5-10k with ABSOLUTELY no credit.

if he has proof of good income for the past years, will that make a difference? jw.

[RBX7]

hey dont feel bad man! im 32 and have never had credit or a credit card! been with wells fargo for 6yrs and they wont loan me a penny! perfect account history, never a bad check or overdraft or nothing! been trying and applying for credit since i was 18 and have never gotten any! i HATE wells fargo though! i want to switch banks so bad but ive been there so long im too comfortable. and yes ive got great employment history with halliburton and have direct deposit! so who fuckin knows!

[Brooklyn]

What are college credit cards??? I go to UH and could really use a credit card for gas because I drive a v-8 5 days a week to school.


college credit cards are easy to get, pm if you're serious.

no credit history, thats ok

[axio]

Ok im 22 and have no credit whats so ever. I dont have anything on my credit file at all. I was wondering how would I go about establishing credit. Keep in mind I have no cosigners so im shit out of luck on that one. So what would be the simplest way to get started. I have applied to every single credit card company over the past 2 years and no biters:Ohnoez: please help!
http://houston-imports.com/forums/showthread.php?t=410630

[97blacklude]

hey dont feel bad man! im 32 and have never had credit or a credit card! been with wells fargo for 6yrs and they wont loan me a penny! perfect account history, never a bad check or overdraft or nothing! been trying and applying for credit since i was 18 and have never gotten any! i HATE wells fargo though! i want to switch banks so bad but ive been there so long im too comfortable. and yes ive got great employment history with halliburton and have direct deposit! so who fuckin knows!

WTF 32 with no credit history??? how the hell do you get through life? i got approved for capital one with a $300 limit right after i turned 18. Now im 20 i dont use capital one anymore mostly my amex cards and anywhere i apply i get instant approvals..... how is that possible to be trying to establish credit for 14 years and never got a single card?

[dTran33]

my first card when i was 18 was capital one $300, just went from there. just take out some loans or something and make payments on time. they are more concerned with getting their money back in installments on time then getting paid off at once.