why is it so hard to establish credit when you need credit to get anywere?
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.
253772
You can't it's all a trick,I've tried them all. Go to a bank and apply for a loan even if you know you won't get approved. This is the only FREE credit report I've found. \nYou will receive a complete credit report from the bank!
870212
The main problem with a start up is operating capital.  You need at least a years worth because it's nearly impossible to obtain credit until you are established.  It's catch 22, you have to have money for them to lend you money but if you have money you don't need it.  Good luck.
245224
If you have the money, it is easy. But if not and you will ask for a loan, it will be hard and you may not be able to get the best terms of the loan. You will have little to no credit history, and that is always an impediment.
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.
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".
333654
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.!! : )
831959
Repairing your credit takes time, patience and strategy.  6 months-1 year\nYou can do all the repairing yourself but sometimes when it gets to overwhelming, that’s when you should get professional help.\nIf you have any question, please e-mail me.\n\nGood Luck!
994759
Contact any trucking company dealing with this and ask them if they are hiring for a driver or loading boy.  Maybe you would be lucky enough to get hired there.  Do you know why people build good credit?  So when they want to open their own business and don't have any down payment money their good credit vouches that they are dependable and can be accounted for.  If you don't have neither the money or the credit-who do you think will trust you even with one dollar? That is why they keep saying-pay your bills on time and never be late, you will need your good credit some day.   Well, apparently you thought that it was some kind of a joke ah!
56682
Without good credit you may need to have collateral that meets or exceeds the amount that you are looking to borrow.
1037963
Yes, every time you apply for a credit card it goes into that big system in the sky.  You need some credit, but if you keep applying, it actually goes against you.
938530
If you have credit without bad mark on it I am sure you can get a loan from a private source(bank or person).  Also depending on how much you need you maybe able to use other options like credit cards.
1052309
Try Chase. Or capital one. They both gave me credit cards when I had no credit. Then just use them and pay more than the minimum payment (or pay all of it) and it will help establish your credit. You may also think about asking your financial institution. They may have ways to help you as well.
1006626
Do you actually have BAD credit after doing nothing, or is it that you just don't have ANY credit because you've never used credit?\n\nIf you just don't have any credit -- you've never proven yourself to be creditworthy and reliable -- then you just have to accept a low credit score for a few years, like everyone else, and although there are ways to establish credit quickly (secured credit cards, etc.) it won't just happen overnight.\n\nOn the other hand, if your credit report reflects negative information that you feel is in error, your next step should probably be a talk with all three of the major credit bureaus (Experion, Equifax, and TransUnion) to figure out why there are negative marks on your report, and to identify possible remedies for these problems.\n\nHowever, you have not provided enough information for anybody trying to answer this question to actually do any good, as the question is very vague.  Good luck, though.
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.
15471
If you can get a very low limit credit card, and be very responsible with it, that will build your credit.  So will getting  a loan that's somehow secured, either with money in your account or a car or other solid collateral.
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.