how do i start a credit  if all keep denying me for not having any in my pursuit to start one???
917975
You may have to get a secured card to establish credit.  Or buy a car and keep up with the payments.
1124141
You have to build credit history first. The first card is the hardest to get. Get a secured card first, then once you build credit history then you can have a regular credit card. Secured card is you give the bank the amount of money that you want for your credit limit and the give you a card for that amount.. For instance if you give them $200.00 then they will give you a line of credit for $200. If you give $300' then the give you a $300. credit line. Than  once you do that for about 6 months or more then try for a card. Good Luck to you. Even if you don't want it a secured card is the only way you will get the regular one i don't think you have any other options.
150217
A debit card usually isn't a problem, this has to do with banks and they have their own system for checking good standing in the banking system. As long as you don't have a slew of bounced checks somewhere you should be allright. A credit card is harder. Lots of time you just have to wait a little while.Here's a good idea, some jewelry stores will offer credit to anyone. I did this and received three credit cards within a matter of weeks. I didn't have a bankruptcy,though, but I had really awful credit and I tried for three years to get a credit card.
122401
You may have to pay a fee for a high interest Master Card or Visa.  \n\nGo to your local bank and beg them for a small loan to reistablish your credit.  You may have to give them another reason for the loan and use your sterio for collateral.
191249
Don't do it! Go in person to the bank or loan company, you don't know who might get your credit info. And why can't he take care of him self?
723104
In addition to www.freeannualcreditreport.com you can also get a free credit report if you were denied credit from a creditor. You can call  one of the credit bureaus and explain that you were denied credit on such and such a day and they will instruct you as to what to do to get the free report. If you apply for a loan or mortgage loan or any other credit they will check your credit and you can ask them for a copy of those reports and scores. If you feel you have a discrepency on your report they will also give you a free copy of your report but you will have to submit evidence to the contrary. Hope you will be able to get your credit report for free. Good luck. The credit bureaus are EXPERIAN, TRANS UNION AND EQUIFAX.
121599
www.annualcreditreport.com allows you to get a free credit report from each of the three major credit reporting agencies each year.  If you stagger these three agencies four months apart, you can keep an eye on your credit history as reported for free.\n\nKeep in mind, though, that many places use a credit "score"  (usually FICO) and this score's value isn't shown with the free credit report.  However, if you are denied credit, looking at the credit report, with its explanation, should give you a pretty good idea of what might have caused the denial.\n\nIf you are turned down for credit, you can request a copy of the credit report used to make the decision to deny you credit, and the company which turned you down is required to give you a copy.\n\nGood luck.
1059603
I have answered this question in a 5 part series. There are a few items that can be done to build credit. Here are some quick ideas:\n\nThe fastest way is to have a family member or friend put you on a credit card of theirs as an authorized user. This allows the history of that account to report to your credit as well, but you never are in debt. (Just be careful that the account you are added to is a good one!)\n\nHowever, this is not a long term solution for good credit... try these for solid established credit over the long haul....\n\nOpen a Credit Union account and get them to provide a secured loan against your savings. If you have bad credit, most traditional and national banks will not give you a loan. They usually want good credit for that.\n\nGet a secured credit card and only use it for gas purchases, once a month and pay it off each month. No debt, but always paid on time... does wonders!\n\nBuying a car can help, but you will have a very high rate with limited or no credit.\n\n\nCheck out the resources below for all the details and more ideas.
116495
Congrats to you for wanting to work on your credit. There is nothing anyone can do for you that you cannot do for yourself. I HIGHLY recommend you read the sites listed below. They will help you each step of your credit journey.
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/
1182257
good luck trying to get one..\nhold off on another loan; work to pay off your current ones as of now..
1042232
You can always call and ask if you have been approved or not.\n\nIf you get denied, you can send a reconsideration letter. Tell them why you have bad credit (hopefully the bad credit was years ago) How you are trying to clean up your credit etc. \n\nIf you do have bad credit, you should try to clean it up. I'm listing a fantastic "free" do it yourself credit repair site.
909558
Having no credit can be just as bad as having bad credit, but the good news is, if you have a job, you can get credit.\n\nTry applying for a department store credit card or have someone co-sign for an auto loan. Once you are approved, make your payments every month!\n\nThe important thing to remember is that credit is a privilege not a right. And never use credit as a license to shop!
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".
1094635
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc).\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcra.pdf for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards until after you buy your home.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
148553
Try to find companies or organizations online if you do not succeed try writing to local authorities or companies providing your details. As long as i am concerned these people need to have guarantor before helping you. I think your parents or relatives can act as guarantors
510626
You may find a tough time getting a loan from financial institutions with poor credit, even from SBA. SBA requires a number of factors to avail of their loans, and one of them is good credit history (see SBA Basic requirements http://www.sba.gov/financing/preparation.htm )\n\nIf you cannot get loans, try to get a loan from your parents, family and friends. If they cannot give you any, use your credit card. Credit card requires no collaterals but are an expensive source of funds. \n\nOtherwise, either downscale your plans and amount of capital needed; or wait until your financial situation improves.