Can someone buy a house without owning a credit card?
488984
Well the credit background can show you're spending habits.  The lenders want to know if you're a risk for them or not.  So if you have not credit history, it's awfully tough for a lender to make a choice to give you hundreds of thousands of their money.\n\nEven if you were able to get approved, you may get a higher interest rate because to them, you're at high risk.\n\nSame goes with financing a car, private student loans, credit cards, some utilities, etc.\n\nEDIT:\n\nIt is possible to have good credit.  If you pay bills on time and have no negatives on your report, you're still fine.  But a credit card is the easiest way to build credit (and likewise, destroy credit).
1150878
Let's first look at why you don't have a credit card and its implication to your getting resources for your business:\n\na. You have poor credit - if you have no credit cards because no company would approve you for line of credit, chances are also very high that no banks will lend you loans. Having a business plan is not enough; some banks would not even look at your business plan if you have poor credit history. Even SBA loan is a long shot.\n\nb. You have no credit history - either because you are an immigrant or you are a young person just starting out in life. In this case, you have to have a business plan PLUS a collateral or loan guarantor when you approach a bank.\n\nCredit cards have become an important source of financing for many small business entrepreneurs, especially those who cannot get a loan or will not require a significant amount of money. They use credit cards to buy their equipment, pay their suppliers, buy inventory, etc.\n\nWithout access to credit cards, your best sources of capital include your savings, your family, or your friends. You may also be able to find an investor willing to help you out, but the investor must either believe in your business idea so much, or the investor must believe in you as a person and your determination to succeed. I know some entrepreneurs who got financing because the investor just loved their tenacity to succeed.\n\nOtherwise, you scale down your plans or wait for a better time to start a business -- and that is if your financial condition improves.
1038105
Yes.  If you have personal account, you can accept money for free, but I think it can only be a cash transfer, you can't accept credit card payments.
424421
There are lenders that could help you a little if you had a job. That is you problem. You have to have income that can be verified and job history to support that. Being a student and not having a job will make it impossible for you to buy a house unless you have someone that will say that you work for them and do a "stated" loan which is where they don't verify your income.
1043934
You can get a MasterCard by either Premiere Bank or CorTrust Bank. Both offer a non secure line of credit without a credit check. There are fees which are charged to your new card(s).
466779
If you are a home owner, you can get a "Home Equity" line of credit through your financial insitute against the equity you have in your home. Maybe they can incorporate your mtg payment and the other into one! Or You can also apply for a credit card that will let you transfer debt and get cash money. Pay off everything and have your one payment!!
1176727
You simply need to look beyond the few places you're looking.  Not all landlords check credit.  You might try answering ads in the paper.  Sometimes, individual property owners who own just a single condo or house will be willing to rent out their property without a credit check.
376428
If you refinance the loan, you can do so without them being on it. However, you must have good enough credit to be able to get the loan without a cosignor.
918250
ebay doesnt not require a CC, u can use a debit card
392979
I finance people (and first time home buyers) with credit challenges.  There are limits though to what a mortgage company can do.\n\nAs far as our friend that said don't search for companies on the internet, I would say, as a Mortgage specialist, that he is only half right.  I mean really, I have seen people get ripped off from mortgage companies in the yellow pages, as well as the internet.  They are just harder to get to when over the internet.  Luckily, I am a mortgage banker and have offices in New York, so you have nothing to worry about.\n\nIf you would like to possibly get pre-approved for a mortgage, please contact me at timothy.kazee@americanhm .com and we can talk more about this.  If nothing else, I would be more than happy to direct you on how to get to the point of home ownership.  \n\nI will look forward to your call.
716449
Have you tried craigslist.com?  Most sites have too many of their own rules.\n\nIf you are the seller, you will need a credit card account, so you can accept payment by credit card, from your customers.\n\nIf you do not want to do that, how else are you going to get paid?  Will you send property out and wait for a check from a buyer?  If so, you may be waiting a long time for some people.\n\nIf you want a check before you send out property, you won't have any customers.  There would be nothing to stop you from keeping a check and keeping the property.
899623
yes there is a way, some banks allow you to do what they call "stated income, stated assets" that is a program that allows the borrower to state their income to whatever (within reason) to make them qualify for the loan. The down side is the intrest rate is a little higher than normal usually about .50 of a %. with that kind of down payment I could get him into a home fairly easy, and depending on his credit score he may not have to put all of his money down. email me if you are intrested, i can give you more advise or even help you out with it.
26741
If you don't have much of a credit background (I mean no credit as opposed to "bad" credit), a lender will look mostly at your earning power.  That is to say your current income, how long you have had your current job (at least 1 year), and how much of your current income is disposable (how much extra you have after your current bills).  Whatever you have left over is what you can afford for a house.  \n\nI have to say though, that without any real credit history, your chances of getting a loan are low.  Also, be very careful of those who are willing to lend you money, because it will probably be at much higher interest rates, making it all the more likely you won't be able to afford the payments.\n\nFocus on building good credit.  Once that is done, then you can start thinking about buying a home.
54011
Yes you can. In this instance I would suggest finding someone in your area who buys properties for rental purposes. See if they will talk to you about how they purchase propery. There are a few who constantly buy property with little out of pocket capital. There are also books by Robert Kyosocki, and Cources by Carleton Sheets that do work that can teach you how to do this. \n\nYou can even find small trailer park communities in your area. and purchase them for $1,000 to $6,000 clean them up and resell them at double the price and offer financing with 10% interestes for couples trying to find the first home. you can quickly flip several of these and creat a significent down payment for a home of your choice and just use a bit of "Sweat equity".
652932
You would need to have a secured loan.  Secure with some sort of item so that the lender could get their money if you default.\n\nIf you're looking for a credit card, there are cards out there that you give them $500, and then you have a $500 limit.  It helps you build credit.
511547
You could of course not have a bank account or cash a check.\n\nYou could not work legally, so you would have to do day labor or work for lower wages for some busniess who pays you in cash, or will cash your check for you.\n\nFor rent, most likely you won't earn enough to afford to rent, but if you did, normally the run down type of houses you could rent would be the ones where you pay cash adn they don't care about ID.
414194
Visit the website of you particular credit card.  You don't need software.