Comments on: Reader Dilemma: I Cant Get Approved for a Credit Card! How do I Build Credit?

By: shnaice

shnaice — Mon, 07 Nov 2011 15:05:14 +0000

hey what i need a credit card
and i am 16

By: ethel

ethel — Sun, 30 Oct 2011 23:58:39 +0000

thats great can you gives me little more info.on that company such as phone number,are how to get started with preston thanks

By: April

April — Mon, 16 May 2011 15:21:09 +0000

What do you mean paid up front?

By: I WAS IN YOUR SHOES!

I WAS IN YOUR SHOES! — Sun, 17 Apr 2011 19:48:15 +0000

I was in your shoes.
I raised my score over 50 points in less then two months!
Answer: Secured credit card from Capitol One and only used about 15% of the card balance and paid if off —WHEN I GOT THE BILL—not too early not too late. Built a fair score so far. In about 3 months–
Good Luck!!

Plus they have an online account so every month you can pay your bill and use the card even when you are not here in the US.

Thanks for your service.

Iowa

By: Johnny

Johnny — Sat, 09 Apr 2011 20:46:55 +0000

not true…..i am in the same boat as these people. Have had a great relationhsip with my bank. Alway have a few thousand in my account. But i have no credit yet. I have been at my job for 4 months. So I had heard Gas Cards were easy to get so off i went applying for all the gas cards thinking one of them would approve me. Nope!! not one!

I am going to ask my bank to open a credit card for me and i guess i will start there.

By: san diego listings

san diego listings — Thu, 02 Dec 2010 01:17:19 +0000

First add your name to parents credit cards, then open first store cards like target or wall mart. If you are student apply for student credit cards. You can also add non traditional lines to your credit report, like cell phone or utilities.

By: Linda

Linda — Tue, 09 Nov 2010 00:39:36 +0000

When I turned 18 my mom was supposed to add me to her credit cards accounts but she fell on hard times. I have heard that you can get credit history by piggybacking off of a parent or grandparent and that will establish your credit history. Too back My mom ended up loosing her job and filling BK or else I would have an 800 by now. I found a Company that offer Authorized User accounts that you can buy and they will add you as an AU for up to 6 months. I sent them close to $1300 and I had to option to choose from over 25 different accounts I picked 4 trade lines and in about 2 weeks “Presto” they were reporting as promised. So far so Good I have one trade line that has a history of 20 years which would make me 2 years old when I got the card…lol needless to say it has boosted my credit score faster than any other company out here and now I have a 735 FICO It it so fun to wake up every morning and check my scores to see how much they have increased. http://www.fixmyuglycreditscores.com

By: Ramon

Ramon — Mon, 25 Oct 2010 04:24:24 +0000

I just got approved for $4000 citi credit card, I am only 19 will little history, but i pay bills on time, also i applied for the STUDENT CREDIT CARDS, they are for helping students build credit.

By: Build Real Credit

Build Real Credit — Wed, 20 Oct 2010 08:42:10 +0000

Information on credit repair that actually show you how to repair your credit yourself, but have just found the same info you could read for free credit repair exposed. On October 27th 2010 these credit repair can not accept any money till after they do what they promised. We offer Build Real Credit software that will help you raise your FICO score by repairing your credit report and settle your debt. http://www.buildrealcredit.com an easy and affordable solution

By: Josh

Josh — Wed, 20 Oct 2010 02:11:37 +0000

I was stuck in a hard place, when I was 17 I applied for a credit card and capital one approved me cause they thought it was just an typo on the date of birth and listed me as 18 instead of 17. I joined the military and paid my credit card on time for months and built good credit history. While I was in the military someone stoled my identity, and I had to file a bankruptcy, that didn’t ruin my creidt at all I went to a credit union and gave them 3k and got a secured card, after 12 months they converted to unsecured and gave me a 10k limit. I applied to another credit union and they gave me 12k limit for their credit card. I bought three new cars and paid them off. And all of this with a credit score less than 600!, However a few years back I lost my job, wasn’t able to make payments on my credit cards, and when I did finally get a job I was unable to catch up on payments and my credit card companies weren’t willing to work with me, so I filed a Chapter 13 bankruptcy despite the fact i didn’t want too, i couldn’t afford those companies suing and garnishing me. I paid of the Chapter 13 bk, my credit scores were 659TU, 606 Exp and 599 Equifax. However Chase in my area only pulls Transunion. I have my transunion score up to 700 because I got them to remove the bankruptcy off my credit report and all of my negative accounts except for US cellular for 200 bucks chase won’t approve me for a credit card because of that collection on my record. I higherd lexington law firm, they got all negative items removed off my credit report I applied again with chase and was granted a 10k creidt card! Experian and Equifax still has my bankruptcy on there but since chase only pulls Transunion for credit cards it worked out relaly well and i’ve been with Chase banking with them for years!