what is the easies way to get credit?
469706
A person's credit rating is built upon historical demonstration of good financial habits and responsibility.  The simplest things to do to build your credit are:\n\n1. Open a savings account and make regular deposits to it, no matter how small.  You demonstrate a savings habit and built a cash asset.  The financial principle is called 'Pay Yourself First'.  You worked for that money, you should take the first cut.  Save at least 10% of what you make and don't touch it; always use that ever-growing-wad to make yourself more money.  3 to 6 months of your current income in savings should be your first goal; just in case something unfortunate happens at work. Once you hit that, start looking into good mutual funds; another cash asset that will add to your net worth and your credit score.  Don't forget, that 'wad' is always earning you interest and getting bigger.\n\n2. Make payments to your creditors ON TIME.  A number of late payments, or worse, defaults on loans, can really screw things up on your credit report and you'll appear to be 'a bad risk'; no matter how nice a person you are.\n\n3. Open and manage a rotating credit account so you can demonstrate that you can manage credit properly.  This will help raise your credit rating.  If you don't have a credit card yet, apply at a gas station for a card; ensuring there is no annual fee.  If you're employed, it's very easy to get one of these, the credit limit is usually only a few hundred dollars, and you can easily use it for something that you're likely paying for each month anyway.  Yes, you could get one from a department store, but its more likely you'll have a 'new shoes' emergency or the like.  Stick with the gasoline necessity until you are comfortable handling credit properly.  To budget your expense, keep the receipts for your gasoline for a month or two and average how much you spend on gasoline in a given month.  Set the money aside in an envelope when you get paid, and at the end of the month when your gasoline bill comes, deposit the money and pay off the balance.  Paying off the balance each month avoids any finance charges and ensures that having the card (and building your credit score) won't cost you a thing.\n\n4. Pay down your outstanding debts.  Once you are carrying enough debt to impact 50% of your cash flow each month, creditors start getting itchy about your ability to repay any additional amounts.  If you have several cards and are carrying balances on them, target the highest interest rate card first and pay it down to $0.  Take them in order until you're out of debt.  Then use the lowest rate card and carry a small balance.  I use one card for gasoline and monthly services then pay off the balance each month.\n\nPeople with good credit ratings get lower interest loans because they've proven themselves a good credit risk.  You'll appreciate that when you apply for your next car loan or your next mortgage.  One or two percent over a 30-year mortgage can save you thousands.
78908
Each credit agency can provide you with one free credit report per year.  Just go to one of their websites and there's usually a link on the main page that takes you to the request page.  You can either see the reports online and print them out, or if you want the report mailed then you have to print out a request form and mail it out.  The three major credit bureaus are Experian, Equifax, and Transunion.  (Their websites are their names).
502998
The closest that you will come is www.billmelater.com. But as you stated, they will check your credit.
109137
yes. Ask you credit card.
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
689893
It takes 7 for chapter 11, 10 for chapter 13, and you can get your credit up by going into your bank and open a secure credit savings acct a loan from yourself use any amount then you borrow from yourself then pay your self back this will boost your scores, then you can open a small acct anywhere and pay it on time lenders look at the trade line and how well you took care of the account if you have bk on you credit
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.
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.
1125612
No! The way to build credit is to get the card and buy something and pay it off. Do this for about 6 months with no defaults in your payments. After 6 months call them and ask for a credit increase. Then buy something and pay it off. Do that for another 6 months to a year and ask for another increase. In the first 6 months other creditors will see that you are doing well (especially if you get the 1st credit increase) and they will send you their cards. No matter what you will pay interest with any card!
826308
here's some free articles to get you going:\nhttp://credit-cards.ebookorama.com\nhttp://finance.ebookorama.com \nhttp://credit.ebookorama.com\nhttp://credit-repair.ebookorama.com
1133566
To have good credit, you need to have opened a credit card account or loan. You must pay it monthly on time. If you are late once it will be on your credit report for 7 years.\n\nDo not spend more than your credit limit.\n\nYour debt to credit ratio should be around 25% or lower.
946131
You have to have something reporting to the credit bureaus in order to build good credit. To be honest with you, credit cards are the best thing to build your credit, besides a car or mortgage.\n\nJust get a couple of credit cards and keep your balances to around $300.00. Pay at least the minimum monthly payment every month. This will build your credit up quickly, but won't put you into a lot of 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.
302386
You can start by getting a free credit report by going to AnnualCreditReport.com, the government's response to credit and identity theft. It will direct you to chose one of the three major reporting agencies to get your current report. You will have to pay for your credit score, however.\n\nTo find a credit card that might issue you at least a minimum limit card of say $500, try ConsumerCredit.com, a website of American Consumer Credit Counseling, which offers free services. It is a clearing house for consumer complaints and rates credit cards, and might work with you to get one.\n\nOtherwise, you'll just have to fill out credit issuers' applications and wait to see if they approve you, one by one.
175499
Since everyone who is going to offer you credit uses credit scores (many based on FICO), your best bet is learn how it works.\n\nThe link below has a lot of information about how your score is put together, and what you can do to improve it.  \n\nGo right to the source!
567312
Having a history of good, revolving credit (finger hut, Mervyns, Sears, JC Penney) will help you.  Just use it.  If you buy one thing, once, that won't really help.  I got a card at Mervyns and bought maybe one item every three months.  It helped me.  I had a great credit history but "lack of revolving accounts".
236525
First u need a credit report.  and it in there with ith the few pages. IT should be in the first second page of the report u can get one at www.freecreditreport.com good luck