Payday Loan

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What Is A Good Way To Start Credit?


im only 18 i 'm not starting college until next year and i already have a car. i need other options i heard getting a payday loan or something might helpi dont have any credit history do dept. stores and gas cards look for that?

Kali-Margaret, 2006-07-25 13:12:46


Apply for a credit card that is backed up by your bank account for a low credit limit (like 0). Then buy something and pay the bill when it comes. Do that for several months and you'll be on the way to establishing credit. Check out www.discovercard.com for one, but there are many.

Kali-Margaret, 2006-07-25 13:12:46


Don't just get a credit card. You have to make sure that you make your payments on time monthly and pay more than the minimum amount. This is what will give you a good credit record.

Kali-Margaret, 2006-07-25 13:12:46


STAY WAY FROM PAYDAY LOANS. since you're starting college, wherever the main quad or main gathering area is, there'll be plenty of people looking for kids to sign up for cards. sign up for one and ONLY ONE. use it sparingly, only for gas (if you have a car) and groceries. no cd's, clothes or anything like that. although you will be tempted to believe me. pay off the full balance each and every month and DO NOT pay late. keep this up for ever really and your score will be great once you get to your junior year.

Kali-Margaret, 2006-07-25 13:12:46


    bad credit quick cash advances.
  • WHATEVER U DO, DO NOT GET A QUICK CASH LOAN!!!!
    • yahoocom mail.
  • apply for a credit card with capital one or throught a credit union!
    • wwwneedmoneynowcom.
  • also see what other programs the credit union has for people ur age!
    • bad credit quick cash advances.
  • if u get a cc don't pay it off every month, u need about 6 mths of payments and leave a small balance of the card.
  • this establishes the credit history.
    • wwwneedmoneynowcom.
  • a car is a great way to boost ur credit score.
  • try a department store cc, it has a higher interest rate but they r easy to get!
  • then in about a year or so u can transfer the balance to a lower interest cc and be well on ur way to a good credit score!!u may want to order a copy of ur credit report from http://www.annualcreditreport.com and go from there!

Kali-Margaret, 2006-07-25 13:12:46


gas card (that you pay off in full each month).credit is debt. not really something you should strive for, but americans have been brainwashed.http://www.myfico.comhttp://www.daveramsey.com

Kali-Margaret, 2006-07-25 13:12:46 yahoocom mail, bad credit quick cash advances, wwwneedmoneynowcom