How can I start getting credit?
150875
It sounds as if your FICO score has been decimated by your ex. A FICO score is a snapshot of your credit risk picture at a particular point in time. The higher your score, the lower the risk to lenders. A FICO score can range from 300 to 850. The very best rates go to people with scores above 770, but a score of 700 is considered good (the average score is somewhere around 725), says Craig Watts, Fair Isaac's spokesperson. If your score is in the low 600s or below, it's time for concern. As you fall below about 600, you will see an increase in your lending rates. \n\nThe first step to increasing your score is to know where you currently stand. By law everyone is entitled to a free copy once a year. Also, you are entitled to a copy of your credit file free if you have been denied credit from the bureau that reported the information. If you've been denied credit, you must apply for your file this within 60 days of the denial. Log on to http://www.annualcreditreport.com or call 1-877-322-8228.\n\nOne way to instantly up your FICO score is to be put on an account with another individual who has a good credit score. You only need to be an authorized user, NOT actually ever use or even have possesion of the credit card.Your name only has to be associated with the account. By "piggybacking" on an account with someone who has good credit, you instantly up your own. Conversely, being on an account with someone who has bad credit drags your score down (as you have found out!). \n\nGenerally, people with high FICO scores consistently:\n* Pay bills on time.\n* Keep balances low on credit cards and other revolving credit products.\n* Apply for and open new credit accounts only as needed.\n\nFICO scores consider five main kinds of credit information. Listed from most important to least important, these are:\n* Payment history.\n* Amount owed.\n* Length of credit history.\n* New credit.\n* Types of credit in use.\n\nTalk with your lenders about the circumstances around you/ your ex's late payments. You can request that certain data be taken off or amended on your report. They may or may not do it but it is worth a try if it improves your score.\n\nBTW, one thing a person should NEVER do as it ADVERSELY affects their FICO score is close accounts once they are paid off! That actually lowers your credit score. FICO scores take into account your debt to credit ratio: \n\nIf you have 3 credit cards with $1,000 limits on each and they were all maxed out your debt to credit ration would be 100% of your available line. If you paid of two of the cards in full your debt to credit ration would be 33% (you only owe $1,000 on $3,000 of available credit). If you closed the two accounts you paid off and had one card left maxed out at $1,000 you would instantly go back up to a 100% debt to credit ration. So, bottom line when you pay a card off- Never close the account, just cut the card up.\n\nHere is an article from SmartMoney.com on "Credit Fixes That Can Fix You"- http://www.smartmoney.com/debt/advice/index.cfm?story=creditfixes\n\nand "Keeping Score" about improving your FICO score- \nhttp://www.smartmoney.com/nowwhat/index.cfm?story=20020826
183973
You would probably have to start out with a secured card, or try getting a store card to build a credit score.  Then as long as your credit score is good you can get one almost anywhere.
606524
Amazingly, I dom't think there is one.\n\nI would contact them directly and ask them how to purchase credit. There must be a way as they have a table of pricing!
607012
start by becoming a responsible spender. pay your bills and keep paying them on time. it will take a while, but eventually your credit score will come up. if you are in debt over your head, try a consumer credit counseling service. they help you pay off your bills and a lot of times reduce your debt load by negotiating with the card companies on your behalf. might be a good idea to check into
212358
Building business credit is not a quick process - it takes time, normally around 3-4 years. Other than paying a company to do it for you, here are some ways you can build a business credit fast:\n\n1. Register your phone in your business name\n2. Get a business checking account\n3. Register with DUN & BRADSTREET and get your DUNS Number\n4. Find vendors who can give you lines of credit (start with Staples or DELL)\n5. Apply for a business credit card - giving your business EIN instead of your SSN\n\nI recommend reading the article "Building Business Credit" at http://www.powerhomebiz.com/vol146/credit.htm
809479
THE BEST WAY TO ESTABLISH CREDIT IS TO OPEN A BANK ACCOUNT AND TO KEEP IT IN GOOD STANDING.  CREDIT CARDS KEEP YOU IN DEBT IF YOU DO NOT PAY THE BALANCE IN FULL EACH TIME YOU GET A STATEMENT.
1091178
join your LOCAL credit union.  these places are basically just like banks, but typically have better rates and help you build credit.  one thing you can do is to open a savings account at the credit union, then borrow from yourself (they kind of freeze the money in your account while you "pay it back").  i know it sounds funny, but this is a great way to build credit.  either way, join a credit union and see what they can do for you - credit is their specialty.
268242
any credit agency...get a credit check..
840769
Correspond directly with the major labels.  Talk to their sales division.  They probably won't set you up with an account to carry you on credit to start with.  You'll need to pay up-front and meet minimums in terms of volume.
483000
Many Credit Unions will let you open a savings account.\nYou put at least $200.00 in it and you can get a loan against it. Make regular on-time payments, and your credit will improve.\nAlso, many credit card companies offer secured cards to people with low or no credit.\nFirst premiere bank\nOrchard bank\nRewards 660\namong others.
919975
pay your bills, get a credit card, yea i said it. buy something everything month with it (like a 40 dollar shirt or something, whatever it doesn't matter) PAY IT OFF every month. you build credit by having credit history. \nI have a loan for like 5k for my car, and other stuff and pay it every month, my credit score has gone up tremedously over the past year because of it.
232472
A cell phone will NOT help you establish credit. Trust me, I moved to the States from Europe and I had to establish credit also. I got a secured credit card and after a year, I bought a car. Start with the secured credit card, increase the balance by 100+ every so often, after a while just get a regular credit card, then you can apply for a loan for a computer, car, washer/dryer.. Whatever. Good luck!
1124141
You have to build credit history first. The first card is the hardest to get. Get a secured card first, then once you build credit history then you can have a regular credit card. Secured card is you give the bank the amount of money that you want for your credit limit and the give you a card for that amount.. For instance if you give them $200.00 then they will give you a line of credit for $200. If you give $300' then the give you a $300. credit line. Than  once you do that for about 6 months or more then try for a card. Good Luck to you. Even if you don't want it a secured card is the only way you will get the regular one i don't think you have any other options.
133397
Try the bank where you have a checking account they will probably give you a credit card. You have to start out  small with like a 200 or 500 dollar limit.
317236
its impossible, you must be 18 and have credit. You would have to have your paretns co-sign for you
909558
Having no credit can be just as bad as having bad credit, but the good news is, if you have a job, you can get credit.\n\nTry applying for a department store credit card or have someone co-sign for an auto loan. Once you are approved, make your payments every month!\n\nThe important thing to remember is that credit is a privilege not a right. And never use credit as a license to shop!
91250
Just apply for something that requires them to run your credit report.  Especially if you are denied credit the credit company that supplied that inforomation has to supply you a free copy of your credit report.