how do you get the credit you need to build your credit when you cant get anything without credit . its a circle im 28 no credit cards and cant get one because i dont have credit
214931
you need someone to co-sign for you a small loan at the bank. That will start your credit. As long as you pay it on time every time then you'll have good credit.
428623
The only way to get a cellphone is if you pay a secure deposit,,,,,,,at least 200 dollars\nif you want to know about how to build your credit I can help you with that for free......\ne-mail me (if you want)\nserginho_pool@yahoo.com
452196
well from my experience (i'm 23 but have been in the marines the past 5 yrs.) buying a car didn't help my credit much because the only people that would give me a credit card was my bank so go there first. if you are good w/ money like me then using it more builds credit faster. but make sure starting off just to use it for like fuel or something you buy like once or twice a month and make sure to pay it off at the end of your monthly statement cycle. before long everybody under the sun will be trying to give you their credit card. dont get a ton of credit cards cause it will be harder to manage. most starting limits are like 500 to 1,000 so you should be allright.
374283
620 is fair credit.\nMaybe the problem is you now don’t have enough credit.\nIf that’s the problem, try getting a secured credit card.\nMake sure you check and see what the services charges are, some are outrageous.\nLook around find one that will work for you.\nAfter you get your card (lets just say it has a $300.00 limit) only use 50% or $150.00 and make the payments before they due. DON”T BE LATE! If you use more than 50% of your credit limit, your credit scores could go down.\n\nAnother way you can try is get on someone’s (a GOOD friend or relative) department store or gas card account as a card user only (you won’t be responsible for there debt). Be sure this person has good credit and make all payments on time, if they don’t this will work against you.\nEvery month when the credit is reported you will receive the benefit of your friends good payment history. That in turn will raise your credit scores and make new credit more available to you.  \n\nGood Luck
510060
Some of the points Chris J made are good, but I have to disagree with his recommendation to obtain any sort of credit card.  Easy credit and lack of self control is probably what put you where you are today.  Trying to manage some "good credit" while you are fixing the "bad credit" is a losing proposition.  Develop a budget and focus on paying off all of your outstanding debt.  DO NOT use credit for anything while you do it.  Go to a cash system (maybe a debit card).  If, and only if, you finally become financially responsible, then you can consider building your credit.  Google Dave Ramsey and read about his ideas.  Despite the myths perpetuated by the media, you don't need credit.  The only credit you should ever use is a home loan.  I know someone who had no FICO score and still managed to acquire a mortgage.  \n\nYour best bet right now is...if you can't pay cash for it, you can't afford it.
472758
why don't you share an apartment in the beginning[share the costs]get a job first!!!a credit card can get you into debt!!you have to pay monthly payments and a credit card only gives you so much money!!
22910
Your best bet is going to be getting a secured credit card - where you give them some money up front, and they give you a credit card. Use it wisely, pay all your bills on time, and don't overspend, and it'll help you build credit so that in a little while you can qualify for unsecured cards.\n\nWatch out for secured credit cards where where they charge you phenomenal interest rates or exuberant annual charges.
283362
Just get any credit card, doesn't matter what the interest rate or anything is. Just make sure you pay it off every month then the interest won't matter and it will help your credit rating. Make sure the card doesn't have an annual fee either. Then eventually you will be offered better credit cards. I currently have 7 credit cards because i opened four credit cards when i was 17 then went from there and now i have better credit cards with rewards.\n\nDo not listen to the people that are telling you to get debit cards, if you want a credit rating you need to have available credit which doesn't apply to a debit card.\n\nAlso, getting a credit card from certain stores such as Victoria's secret don't necesarily work as a real credit card, they are only limited to that store.\n\nCiti card would be a good card to start out with, you just have to be responsible with it, if you want a good credit rating you can't abuse it.
163080
DONT DONT DONT DONT DONT DONT DO IT.\n\nTHEY CAHRGE HIGH HIGH HIGH INTERST AND YOU AHVE TO PAY TO GET THE CARD, USUALLY A COUPLE HUNDRED DOLLARS.\n\nIF YOU HAVE TO PAY TO GET A CREDIT CARD IT IS NOT WORTH IT.\n\nIF YOU ARE REQUIRED TO PAY THEN YOU PROBALLY HAVE BAD CREDIT OR COLLECTIONS AGAINST YOU IN WHICH, YOU SHOULD NOT BE GOING MORE IN DEBT.\n\nPAY CASH!!!
294116
Debit cards only build credit with YOUR bank. If you want to build real credit get a credit card with no annual fees and freeze it in a bucket of water in your freezer. That way you don;t get in debt but at least you are building credit with time. :-)
545274
Do you have bad credit or just no credit history?  If it's the former your best bet would be to wait until your 'bad' credit drops off or is 'seasoned.'  If you just have no history - try and apply at Sears or local department stores.  Do NOT run up the cards!  Use them of course, but not more than what you can comfortably pay off in a month.  Once you have been paying on them for 12-24 months you should be able to get a car loan with your local bank.  If that is too long of time frame you may have to see a used car dealer that offers their own financing (BEWARE - the rates will be horrible and payments high for the quality of vehicle you get from such a place).\n\nAnother option would be to see if a friend or relative would be willing to lend you some money though this can cause serious problems if you fail to pay them back.\n\nGood Luck!
613774
here you go\ncheck my profile there is a link that goes to the company with this text\n"We have over 50 Banks & Companies that offer Bad Credit Unsecured Credit Cards and Merchant Cards to people with good credit, no credit, bad credit, or even a bankruptcy. - NO SECURITY DEPOSIT. Apply Online."\nit says no credit
462321
Tell her to go to rent a center they let you do payments. It also goes torwds ur credit. Going to a store that lets you make payments like Aarons, rentway, rent a center stores like this everytime you make a payment on time it goes towrds good credit this is the eisest way. Or you can go to a banck open accont and apply for a secure credit card with ur back that will all so help. Really just look aronund there is all sorts a ways. I established credit with rent a center my friend a credit card threw his back we were both 18 at the time now neither one of us has a problem getting anything im buying my own house in january. Im only 21!
142255
you can't get a loan. With little or no credit you'll have to work on your credit first. Working is a way. Don't apply for too many cards, store credit cards, credit cards such as visa.  If your cool with your parents, maybe have them co-sign or have them put you on one of their cards to help with your credit. But it takes up to 2 years to establish good credit. Trust me I know.!! : )
15711
Stop using your credit cards.\n\n \n\n“People change their lives only when they say, ‘I’ve had it!’” – Les Brown\n\n \n\nThink you can’t exist in the 21st century without credit?  Do you have at least one credit card?  Did you sign up just for the bonus miles or cash back?  Sounds like it’s time for you to perform a plasectomy.  (That’s what Dave calls cutting up your credit card.)  You’ve heard all the lies, now here are a few facts about credit.\n\n \n\nMyth: No on can live without credit cards.\n\nFact: Actually, 24% of American households are getting by just fine without any type of credit according to a Federal Reserve survey of consumer finances.  Try using your debit card or cash instead.  If millions of Americans can live without credit, so can you!\n\n \n\nMyth: Credit cards help me get airline miles, cash back and other discounts.\n\nFact: Yeah, credit cards also help you get into debt.  Consumer Reports say that only 25% of airline miles are ever redeemed – and credit card companies know it.  Earning a few airline miles is not worth thousands of dollars in debt.  \n\n \n\nMyth: I can just pay off the balance at the end of every month.\n\nFact: You’ll be in the minority.  According to CardWeb.com, only 40% of credit card users pay off their balance when they receive the bill.  Plus, overspending is inevitable when you use a credit card.  It’s just easier to swipe a piece of plastic than it is to flash the cash.\n\n \n\nMyth: “Ninety days same as cash” is the smart way to buy.\n\nFact: “Ninety days same as cash” is a scam.  Retailers know that most consumers won’t pay their balance in 90 days, which means you get stuck with outrageous interest rates and back charges to boot.\n\n \n\nMyth: I’m required to have a credit card to buy a house.\n\nFact: Several quality mortgage companies provide underwriting which allows you to purchase a home without a credit card.  If your mortgage lender requires a credit card for your home loan, run – don’t walk – to a lender who will actually help you achieve freedom from credit.
626428
annual percentage rate is what APR is. I got a capital one credit card for my first credit card, and still have it. Just be careful. Try to find a credit card with a low APR and good benefits. It might be a little hard to get one, if you have no credit, and considering you are 18, it will take some time to get one. Believe me I couldn't get approved for anything, and as soon as I gave up I got an offer sent to me. Another tip, don't apply for too many credit cards, this will ruin your chances as well. Good Luck!
28958
Since you're under 18, you're not eligible for a line of credit. My 16 year old cousin tried to apply for a real(Capitol One) card for people with no credit, and he was denied because his SSN showed he was under 18. The Visa Buxx is a great choice. You are protected by Visa's Zero Liability policy, and you have the control of it being prepaid. You can easily add money to it. And it works all places Visas work! The bad- some smaller(newer, more cautious) stores may not let you use them... A 16 yr old with a credit card??