How can I start reparing my credit b4 the end of college? How can I get my credit score?
345395
You can go on freecredit.com  to get your score that is free but if you want a print out of your accounts that will cost you ..  see about getting a personal loan at the bank so that you can pay every thing off and then you will only have one bill a month...  and look at your hospital bill very closely to make sure that you are not being over charged for things ( like $10.00 for that box of tissue that you had ) you can go to the billing office at the hospital  and ask them to explain every thing on their --you could lower your bill
911050
1) Create a budget. This will be the first step towards getting back on your feet.\nhttp://financialbasics.blogspot.com/2006/11/creating-budget.html\n\n2) Understand your credit situation. Credit is a numbers game. The more you understand it, the better you will be at managing it.\nhttp://financialbasics.blogspot.com/2006/11/credit-reports-and-credit-reporting.html\n\n3) Adopt a more frugal lifestyle. Spend less money. Kick those costly addictions (the budget will come in handy at this point)
292764
I dont think there is any "quick" way to build credit.  The way I started my credit was I got a loan from my bank for 2000.  I put that money in savings and used that money to pay on it every month.  It takes about six months for it to appear on your credit report, my suggestion is to have it paid off in the 6 months so that you are not paying as much interest on the loan.  This will also allow you to establish credit with the bank and if you ever need them again they will take into consideration that you paid off the last loan they gave you with no problem.  Another way is by getting a department store credit card.  make a small purchase on it a month, and every month pay that purchase off.  If you are denied the credit card, wait at least 3 months before applying for another one.  Too many inquires on your credit will only hurt your credit score.
829381
Here are a couple of things you can do to raise your credit score quickly. \n\n1) Have a relative with great credit add you to their credit card account. This can raise your score over 100 points instantly, and has not risk to them! Even though your relative can add your name to their credit card account, they don't have risk if they don't give you a credit card.\n\n2) Use your credit cards for monthly purchase, then pay balance down to zero every month. If you have the cash, this is a very quick way to raise your credit score. Remember, creditors cannot "see" your income from the credit report, but they can tell you have financial strength when you pay down your card balances every month. This technique can raise your credit score up to 80 points.\n\n3) Use time. Most people don't realize that a bad credit item has the most weight only in the first two months, then hurts your score even less after 6 months, and even less after 2 years. After 2 years, many bad credit items don't even hurt at all. I know a friend with 6 chargeoffs that are 4-6 years old and her credit score is 620, good enough to buy a house. Sometimes waiting even a month or two for a bad item to age is all you need for your credit score to bounce back. \n\nIt doesn't mean you are a bad person when you have a lower credit score. Bad things just happen. Good luck with your credit score!
1153964
To get a credit card, it takes more than just a good score.\n\nPull your credit report to make sure that it is reporting correctly and dispute items that are not.\n\nAlthough, at 650, that is pretty decent to get a good credit card - depending on which bureau it is under. Go to www.whogavemecredit.com and search that score to get an idea of what others have gotten with the same score.\n\nIf you have no credit history, that can be a problem - start out with getting a secured card. Usually after 6 months or so a bank will turn it into a real credit card with a limit. Don't take out loans to raise your score. Credit is supposed to be a tool, not put you into debt!\n\nCheck out creditnet.com and creditboards.com to see if theres info out there that can help you get started!\n\nGood luck!
498278
I'm starting college this fall and I have zero credits so far. I don't think there's a credit requirement in entering a college, unless you're transferring from another.
1059603
I have answered this question in a 5 part series. There are a few items that can be done to build credit. Here are some quick ideas:\n\nThe fastest way is to have a family member or friend put you on a credit card of theirs as an authorized user. This allows the history of that account to report to your credit as well, but you never are in debt. (Just be careful that the account you are added to is a good one!)\n\nHowever, this is not a long term solution for good credit... try these for solid established credit over the long haul....\n\nOpen a Credit Union account and get them to provide a secured loan against your savings. If you have bad credit, most traditional and national banks will not give you a loan. They usually want good credit for that.\n\nGet a secured credit card and only use it for gas purchases, once a month and pay it off each month. No debt, but always paid on time... does wonders!\n\nBuying a car can help, but you will have a very high rate with limited or no credit.\n\n\nCheck out the resources below for all the details and more ideas.
42721
Getting good credit is not an easy road. Whether you choose to get a Credit Card, A Store Revolving Credit Card, or even purchase a car, you've got to be very very disciplined. \nI suggest never purchasing anything with a credit card that you couldn't with your bank card. At the end of EVERY month, pay off the entire balance.\n\nDo not apply for many credit cards. Find the credit card with the best terms and interest rate, apply once, and watch it carefully. \n\nYou're Credit Score is determined by your credit limit, your credit/debt ratio, length of time of your credit history, payment history, credit inquiries, etc.\n\nI suggest checking your credit report for free. You can check it once per year per reporting agency. I suggest checking one agency every 4 months (=12 months). Checking your own credit report does not hurt your credit score. If you purchase a score with your report, usually they'll give you suggestions to improve your score.
473707
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.
1150310
I have flawless credit and this is how I did it. Start by joining a credit union or a bank. After a few months they will approve you for a small personal loan. Once you take out the loan, cash the check and pay it back in a few days. You wont get hit by the interest and they love to see you paying off your debts that soon. Repeat this process a few times, they should give you larger amounts each time, based on your repayment history. After a couple of years you will be well over a 750 rating. Also avoid racking up huge number on a credit card. That will only come back to haunt you. Also buying and paying off a car or home counts huge.
48566
You could:\n-get a job (now & during college)\n-get a student loan (that would be payed back after you're done with college)\n-get a scholarship (this can be done even if you're in college now!)\n-have your parents pay for it (you'll be lucky if they do...seriously!)
1087353
apply for a subsidized or unsubsidized loan or both through financial aid at your school. There is not a credit check or anything, just apply before the deadline, go through a brief orientation and sign a promissary notice. You can also find out about workstudy and scholarships. Here is a link below to explain to you about the loans I mentioned to you above.\n\n\nhttp://www.michigan.gov/mistudentaid/0,1607,7-128-4221-8419--F,00.html
977076
3 Ways to improve your credit score..............\n\n\nPay off Debt = http://www.expert-credit-advice.com/debt_settlement_service.htm\n\nDispute Negative Items = http://www.expert-credit-advice.com/credit_repair_service.htm \n\nAdd Positive Credit = http://www.expert-credit-advice.com/building_credit.htm \n\n\nWatch your score skyrocket!
404457
you need to apply for a major credit card-like discover, visa, mc. These are fairly easy to get if you are in school or planning on it. i think discover has a student card. You pretty much need a major card to get other types of credit started, like store cards etc.be careful how you use your credit!
35279
Good Credit is like trust. It can be lost in a flash but takes a long time to build.  \n\nIf you have screwed up your credit - the only thing you really can  do is get everything back on track.  Every bill paid, and stop being late.  Then just keep on track for the rest of your life.  \n\nover the years your credit will recover and then start to become better and better.  The best thing for growing credit is time.  So keep all your oldest cards and pay them off but DON'T close them.  Keep them open because they are a record of how long you have had your credit.  If you remain in good standing with a credit card company that you opened say when you were 20 - and then you have it till your 40 - you will have 20 years worth of history with them - that is a good thing!! even if you don't use it all the time.   Just keep it open always.\nGood luck with it.
1093413
I also have a really good credit score ( 709) and from everything i have been told and seen the best way to keep increasing your credit score is to \n\n* Pay off Credit cards asap \n*Pay more then the MIN due\n* Do not close out accounts just dont use them \n* Dont get any more credit cards then needed \n* Do not have companys inquiring on your credit report ( if you have too many inquiries it drops your score i was told)\n\nThose are some key tips i was told to keep in mind, If you have several cards with low amounts on them you might be better off to transfer them all to one card and pay extra on it every month \n\nALso if you hold a Providian Credit Card you can log on and see information pertaining to your credit report and it shows you monthly how your score is and gives you also ideas of ways to increase your score and lower debt
1066343
Pay your bills on time, and you'll be on your way.\n\nIf you have no credit to start with, you need to actually have a credit card or other loan and pay it back to prove that you are willing to pay and able to pay.  Also, time will help.