by NandorFejer

Question by Tim: How Should a full time college student start to build credit when he cannot get a credit card?
I am 18 years old and just looking to start to build my credit to not be dependent on my parents for things and as an emergency. I applied for one through my credit union, applied through one through capital one and i just applied for a student forward citi card and i got rejected from that as well. I know that it isn’t good to keep applying over and over again. What should i do?

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Question by Randy C: Is there any way to start a credit repair business?
Is there any way to start a credit repair business?

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Answer by PiggiePants
A credit repair business just charges people money they don’t have to do things they can and should do themselves for free.

If you are in the US, The Federal Trade Commission (FTC) has excellent resources on this subject. Go to http://www.ftc.gov/credit

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Question by Jonas J: im 18, do i need to get a credit card and start building credit?
i would pay it off of course, but is it a good idea to start building high good credit, or is it ok neutral where i am?

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Answer by Taylor G
if you are supported by your parents or in college then you dont need to

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Question by Kristen G: i have no credit how do i start building?
I’m 18 years old and i just got married a few months ago. Me and my Husband are both really young so we haven’t build up any credit yet, i was wondering whats the best way to start building credit? We tried applying for a simple credit card through home depot and even they denied us. Whats something we can start building credit with and not be turned down by?

Thanks, Kristen

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Answer by Lainey J
Here’s an article from MSN Money that should be helpful for you:

http://articles.moneycentral.msn.com/CollegeAndFamily/MoneyInYour20s/9waysToBuildAKillerCreditScore.aspx

It makes some good points.

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Question by quarter horse fan: how to start building credit at 17?
besides a credit card (i know at 17 you can’t get a credit card) how can i start building credit? why i ask, because i’ll be graduating before i turn 18, i want to start building credit now, so i could buy a house during college. i hate the idea of throwing away over ,000 in rent and utilities during college and not even owning the house. besides that the town the college is in has no good apartment but a lot of small cute houses for sale.

*please only real helpful answers.

Best answer:

Answer by Angie
i would say open a utility bill in your make.like a telephone and pay it off every month but honeslty at 17 you cant really eneter any contrats so you gotta wait until you are 18. then get a secured credit card and dont live beyond your means

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Question by Shannon Criscuolo: How do you start building credit?
I need to start building credit…I’ve tried applying for store credit cards and get denied for lack of credit history…I have a car I own so I can’t buy a car…I don’t have student loans…I’m so frustrated how do you build credit if you get denied for having no credit?!?!?!

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Answer by Dan Gleesack
You gota apply for a bank credit card and pay the bill off right when you get it to build good credit.

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by richardmasoner

Question by atlantaboi3: I need to start fixing my credit?
I have ignored my credit problems for years. I don’t want that life anymore. I don’t want to be treated like a third rate citizen anymore. I want a house, a new car etc…

I don’t know what the best route is though. It is mostly all credit cards. There are couple other little things. I would 60% of the negative on my credit report is six years old. The rest is about 1 year old.

I know when you pay collections off it drops your score. I am ok with that if it will get better afterwards. Do I pay off all of them? After seven years all negative reports have to removed right?

I have two credit cards that are current and active. I know that will help boost my score too.

What is the best to start to repair your credit? I am overwhelmed and don’t know where to start. Thank you!
Also should I try to negotiate with the collection agencies? Do I need everything in writing from them?

Maybe yall know of some good books I could read?

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Answer by starfairy181
Go to the forum section of http://creditboards.com and READ READ READ

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Question by Wes: Can a 16 year old have a credit card to start building credit?
Hi, I’m 16 and I wanted to start building credit for the future in case I need to finance a car, home, emergency medical or something like that, etc, etc.. With the written consent of my parents, am I allowed to start building my credit?

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Answer by Jana
Very intelligent thought process for someone as young as you.

What I did with my daughter was I added her onto my credit card, she got her own card and it went on her credit report. She charged on her card, and when the bill came, she had to pay for her charges.

There’s a suggestion. No, you can’t get your own credit card, because you are not legally responsible for your own debts till you are 18, and nobody is going to give credit to someone that isn’t legally responsible forethe debt.

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by Catholic Church (England and Wales)

Question by sir lancelot: im 18 years old and would like to start building my credit. where do i start off?
i just turned 18 about 2 and a half months ago and would like to start building credit. i just took out a t-mobile cell phone under my name but dont know if that will help. any other suggestions?

Best answer:

Answer by san6153
get a couple low interest credit cards and small loans you can pay off fast and that helps..dont do too much to where you cant afford it though
thats what i did and i have great credit

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