question about credit?
403842
Apply for a credit card. \n\nIf you get one, great. If you are declined, you may be able to obtain one by putting money down, usually about $100 or so. This is known as "securing" the credit card. You'll have a low credit limit.\n\nOnce you begin to charge purchases, make sure you can pay the balance in full since interest rates can be quite high. It's much easier if you don't use the card much each month! Your credit will improve the longer you keep your account open and pay at least the minimum each month.\n\nHope that helps :)\n\nAlso, obtain copies of your credit reports from each of the three credit bureaus. They're free once per year. Go to http://www.freecreditreport.com/
27964
Credit: What it is, why it's important, how to maintain good credit, protecting yourself from credit fraud, etc\n\nMaybe lump it into a big "Personal Finance" course encompassing checking, savings, retirement plans, doing your taxes, credit, rent, credit cards, student loans, car loans, etc etc.\n\n[edit]\n\nThese may seem like easy concepts to some people, but there are alot, and I do mean alot, of people out there who have no idea about these things.  Many companies exploit this ignorance to make big profits.
206321
Bad credit YES.\nWorth it YES.
621504
I have LJ, my username is sklof_ipap.\nI am not sure what you mean by credit but e-mail me at Papi_Folks@yahoo.com to explain in more detail.\n\nThanks.
1096802
it depends on your credit and sometimes your purchases. is there a particular place you enjoy shopping. take that into consideration. also ask your bank manager to help you. they are the professionals
621526
If you want to know how the credit scoring system works...go to the source.\n\nhttp://www.myfico.com\n\nThis is the home site for the folks who developed the FICO scoring system.  It contains information on how it's put together, tips on how to improve it, lots of other educational info.\n\nThey also can sell you your credit score, but the neat thing is it will also include a detailed explanation of what may be keeping it low, and what you can do to improve it.  It's very specific and may help you a lot.
838239
You have several good answers here. All I want to add is that credit is a numbers game. The better you understand it, the better you can be at improving it and keeping it high. Here's a little more info that might help:\n\nhttp://financialbasics.blogspot.com/2006/11/credit-reports-and-credit-reporting.html\n\nEnjoy!
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.
599160
I just got a Capital One card for my first. I have no credit, so the APR is super high (19%), but it has no Annual fee, so if I only use it for small purchases that I pay in full when the bill comes, I will not have to pay anything extra and I still get to build my credit.
814380
Talk to your attorney or pull your credit. It depends on if it has been discharged yet.
1076838
Pretty soon you will start getting offers from credit card companies (Householdbank, Orchard, First Premiere) and although they start you at a tiny $250 limit, it is a way to start re-establishing credit.  Just charge something small and make payments.  I know it looks like there is no hope, but there is.  Also, order a copy of your credit report and see what is on there.  Try and challenge anything.  Sometimes the credit agencies are so lazy they won't verify anything.  Is your BK dismissed?  Sometimes if it is dismissed, you can have it removed.  I just got mine removed from Experian.  Good luck.
241136
Unfortunately a lot of banks have very similar ways of deciding who they give credit to - that is overdraft, lines of credit, etc.\n\nYou may go into another bank, and find the same thing.\n\nBest to talk to branch manager and ask. Then have the same talk to another branch manager at a similar bank down the street. \n\nIf you are going to be charged fees and not have a line of credit, you might as well get it somewhere you you like the people you will be dealing with.\n\nGood luck!
33893
I would personally stay away from any type of credit card with bad credit.  The credit card companies may qualify you but at a higher rate. The temptation may be there but the best plan of action is to either pay for the purchase up front.
1138351
Credit offers that are "pre-approved" have not actually looked at your credit... yet. But if you call them and say you want their offer, they will dive into your credit report. \n\nYour credit scores are GREAT. Now you have to work hard to keep them there. Having 3 credit cards as a student (paid off, if I read your question correctly) is plenty. Don't get more. \n\nBanks and other lenders look at several factors when evaluating you for credit: \n1) Credit score \n2) ratio of actual debt to potential debt\n3) ability to pay back\n4) number of inquiries\n\n1) Credit score is the whole calculation of the other items. It takes into account how long you've had your credit file open (9 months for you), how much you have outstanding, how high your credit limits are, and how well you've paid your debts over time.\n\n2) Ratio of current debt to potential debt means if you have a credit limit on a card of $5000, and your current balance is $1000, then you have only borrowed 20% of your maximum. This can cause concern if you have 3 or 5 cards in the same boat. You have $3000 outstanding, but if you ran out today and started buying things, you could run up $15000 very quickly. They want to know if you have the ability to handle that potential debt load and associated payments.\n\n3) Your job. How much you earn per month in relation to how much you can afford to pay back each month.\n\n4) How many places are you trying to get credit, and how close together are your applications? If you apply today to one place, and another tomorrow, the second place does not know if you were approved or not at the first place. You have more potential debt out there, and are therefore a higher risk than if you had simply tried the one place. Certian situations are looked at differently than credit cards, such as car loans and mortgages. \n\nAny loan that is secured by your signature (yes, a credit card is still a loan, just a different type) is called Unsecured Debt. Lenders do not like to see a lot of this because they have no recourse if you default on the loan. If you default on your car payment, they can take your car. Same with a house payment. They cannot take your signature.\n\nKeep your debt low, your number of credit accounts low, and keep making payments regularly. Don't apply for a lot of credit, you already have enough. The longer you go without inquiries, the better your scores will be, and the more likely you will be to be approved when the big ticket item is needed.
1003685
There is no way  around the bad credit.   Sounds like you will have to establish  the credit again.   Good luck though.
292290
Before I learned how to repair my credit.......ZERO....now that I have cleaned my credit and did it on my own.......let's just say I have more than I need and I use them all and all are at zero balances. Always pay in full. They aren't getting a red cent of interest off of me. If you must really know......5 visa, 10 mastercard, 1 discover, and 5 american express.
930017
You can build credit very fast by using a method called piggybacking. \n\nYou are simply asking someone to add you as an authorized user and all of their payment history is added to your report. \n\n\n\n\nRead this article that teaches it: http://www.expert-credit-advice.com/building_credit.htm\n\n\nAnd its not a scam, its free but It requirers the trust of someone though...