How do I build credit?
486641
Take out a $500.00 loan through your local bank or credit union, but then turn around & deposit that $ right back into the same bank. They will make monthly deductions, & as they do...this will build up your credit rating, giving you good credit.
930443
This one is guaranteed approval; its calld the credit builder: \nhttp://www.goeufora.com/418121496892 \n\nAlso read this article: http://www.expert-credit-advice.com/building_credit.htm
1126656
Some banks offer a credit builder loan...you won't get money from the loan, but they will put aside the money in a savings acct for you and you will then make payments on the loan...when you're done, you'll get your money back. \n\nThere is also a credit card called the Secured Visa (that particular one is offered by National City Bank) With that card you would secure the card with at least $250 and then you may use the card up to the amount you secured it with. Make monthly payments for at least six months and that should help build your credit.\n\nOr, if you have no credit at all, get a credit card specifically for first-time credit card users. The only bad thing with that is there usually is an annual fee on them...or search for a regular card with cool benefits.
30136
i am in the same boat as you. far as i can tell right now you have to go and pay all the bills that got you bad credit and then go and like finance something or get a contract cell phone or get a small loan. something to build the credit back up. but that is all i can figure right now.
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.
778350
If you've had a checking or money market account with a bank for awhile, I'd start with them.  That's how I had to start building my credit.  Take out a loan and pay it back with the money I got from the loan.  \n\nNowadays, it's tough to get a loan unless your record is spotless or you're getting a house at a rock bottom price.  Good luck.
139905
Credit is a notion concieved by the Devil.. If you don't have any debt, don't start.. You'll get so far behind.. You'll still be paying on it when your kids graduate from high school.. \n\nIf you can't afford something. Don't buy it. If you need assistance. Contact a religous institution i.e.; church, temple, mosque or shrine. Request assistance. Go to your local medical clinic and ask to sign up for medicaid. While you're there ask about food stamps. \n\nYou don't want to start any kind of credit. It's the worst thing anyone could bring upon themselves.
52199
Develop a business plan and take it to the bank. Hope you have good credit or established credit.
773962
Apply for a secured credit card.Deposit,let say $500,and your credit limit equals that amount.Use it for expenses you would otherwise make,like buying gas,groceries,phone bill,...etc.\nWhen the bill arrives,pay it in full.This way you avoid paying expensive interest while building credit.\nAfter a year or so of doing this,your credit card issuer,will raise your limit and convert you to a non secured card (you get your $500 back).\nAlso buy a CD (certificate of deposit) at your local bank say for 6months or one year term.Use that CD as a collateral to obtain an installement loan from the bank. Make the payments on time for at least six months before paying it off.\nThese two methods will certainly raise your credit profile.\nBut also important is save,save and save money for a down payment of at least 5-10% of the cost of that condo.It will make you less of a risk to lenders. Try to avoid meaningless consumerism and keep your long term goal of owning your own place permanent in your mind,and I am sure you will reach your goal.\nBTW,like tyou I am a relatively recent (legal)-chill out Lou Dobbs-LOL- immigrant to the US. I got here little bit over five years ago and own my condo,and just closed on a second house.It can be done.Whatever the Mind can Conceive and Believe,the Mind can Achieve.\nPeace
62933
first, obtain a copy of your credit report so you know what bills are outstanding.  Then, pay off those bills!  Next, get a credit card.  Believe it or not credit cards (revolving accounts) make your credit rise more quickly than anything.  But you have to pay them off on time every time!
62803
Do you have a bank that you have any accounts in?  if you do they may be willing to make you a small loan.  Everyone has to start somewhere.   (how can anyone ever get a loan if they didn't have credit?  think about it... Everyone had to have a "first" loan - it's from that point that you will establish if you are trust/creditworthy or not) so don't blow it.  Pay that loan when you do get it. \n\nIf you don't have a bank account - you may need to have a family member co-sign  the loan for you.  You need to be sure to pay the loan off on time and you will be on your way to building a great credit for your future.
402742
I CAN SEE YOUR NEW TO THE CREDIT GAME!  DON'T MISS ANYMORE PAYMENTS! GET A FEW MORE CREDIT ACCOUNTS, BUT DO NOT USE YOUR FULL CREDIT AMOUNT ON ANY OF THEM AND.....   DON'T KEEP A ZERO BALANCE!!!!   SHOWING YOU CAN OWE WITHOUT BEING UP TO YOU LIMIT ALONG WITH PAYING YOUR BILLS ON TIME WILL HELP BUILD YOU CREDIT. THEN YOUR SCORE WILL GROW! ................... AND DON'T TRY GETTING MORE CARDS AND NOT USING THEM THAT WILL ONLY TIE UP CREDIT.  YOU HAVE TO USE CREDIT TO BUILD 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.
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!
37038
The average credit score is 695.  Actually, the highest you can have is 800.  To help increase your credit score, pay down bad debt such as credit cards to at least the half way point.  Make sure you don't have too many accounts open, late payments, etc.\n\nYou can also open more accounts if you don't have a credit history.  Show that you can make payments ... more than the minimum but not the whole amount for a period of time.\n\nYou can also take out a personal loan (small) and pay it back on time and that will help increase your credit score.\n\nYou want a good average score to help keep down the interests on credit cards and loans.
975860
That is actually quite simple.  Go to your bank, assuming that you have one, and see if they offer a secured credit card.  Then, also assuming that you have the money, you would put say $500 dollars into the account and they would issue you a credit card.  you can only spend what you have put in and you would still have to pay the balance like a normal credit card.  It is a smart way to start and it will build your credit without having the chance for you to run up huge bills.\nCheers
1103343
It is hard work and takes along time. After you have paid all bills off and pay current on time. You will need to have something to build your credit. You may have to resort to paying for a credit card. Some have a security, you pay like $300.00 and that is your credit limit. Some will charge you like $50-60 a year. If you go this route, be on time, the late charges will kill you, it goes on the card and then you may be over the limit and that can cost also. Just be careful and get your free credit report each year.