No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
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Thank you kind sir. I know the difference between FAKO and FICO.
I wouldn't be boasting about my FAKO score, which I know doesn't mean anything.
I was talking about the FICO score.
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
I am curious I recently fubared my credit pretty bad however I still have a chase freedom card that I have been in good standing with for years. Now, I feel I am pretty much done with credit cards...
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
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This is what I did when I first came here ... I had zero credit, 3 years ago.
I applied for a secured credit card with a $5k credit line from BoA.
Used it for a year, making sure that I paid...
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
Sorry mate, but Capital One is rubbish. It's poorly rated and it's no surprise that it's called Crapital One.
I have a credit score of 780 right now and have gotten approved for the best of the...
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
I used have decent credit till I had my identity stolen by my maid. She frauded all my cards and open up a bunch of new accounts in my name. I deactivated all my cards and spent 2 years getting...
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
Apply for a card through your bank or credit union. If it gets denied, they may be able to push it through.
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
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u dont need that much ona secured....no credit 2 years of payments only a 200 hundred secured i was at 680 try nfcu credit union they do secured wahtever you do make sure they report to all...
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
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http://creditcardforum.com/content/secured-credit-cards-rebuild-credit-22/
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
But I am guessing a credit card company wont raise your limit if they see you only spending 100 bucks on a card approved for 4k?
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
They determine whether or not to raise your limit by looking at your income.
You don't even have to make charges on your card every month. You just have to use the card often enough to keep it...
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
i find it hard to believe if you are picking up 5-6 cards every 6 months and have a 780 score. when you apply for a card, they do a hard hit on your credit history and it knocks you down 3 points.
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
is that fico or 3rd party?
if it isn't fico and just a karma score, it doesn;t mean anything.
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
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That all sounds like a lot of work.
Get a capital one card, because they will approve you, they are geared towards students and people with no credit history.
There is no secret, just use it...
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
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The only way I can think of is to make them an Authorized User. This was your GOOD credit history will have an effect on theirs and they'll be able to slowly build theirs.
Now...there's considerable...
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
Yes, even a small amount of usage when paid off consistently will gradually raise your score. It's better for your score to only use a small amount (typically less than 30% of your limit. If you...
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
Scores bounce back within a few months.
I was 774 a month ago. Then I applied for 8 cards and was approved for all. Now my score is 746. Still excellent. Once you cross 720 or so, you'll have no...
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
I've tried to open a secure credit card for a minor and shot back. I was told that the applicant must be 18 yrs or old if they need a personal credit card, must be 17 yrs or old to be an authorized...
No Credit History - Credit Cards
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Thread created 02-25-2013 by adr
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17 Replies
1,757 Views
Secured card is the only way. In the end I just saved up cash and bought a foreclosed house with that. Credit is a bunch of BS. I have cash saved up that I use as most people would use a credit...
