Ahh, yes I remember those good ole' days!
You first want to go to at least 3-5 banks that offer a "SECURED CREDIT CARD" this type of credit card works like this....
1) You open a VISA or M/C account (NOT CHECKING ACCOUNT) and you give the bank $XXX.XX that same amount you give them will be your credit limit. If you can start with a few hundred in each credit card that would be best.
2) Make your payments on time, try not to pay in full so you pay the interest and they then report it to your credit buro.
3) There are many companies that will give you a credit card (guaranteed) if you are a college student, heck that is how I sarted, it was a $500 limit back at that time :-) ... No secuity needed, all they need to see is a copy of your FULL TIME STUDENT SEMESTER class schedule (wink) .....
Give it a shot, if you need more info, let me know, there are many ways to start building credits, but the options above with Sears and stuff will be good as well, but they do want you to have SOME kind of credit, so back to #1 above :-)
Best of luck.... and remember, the LESS people run your credit report, the BETTER off you are due to inquiries damaging your ratings....
Kosher1
2006-07-04 13:27:25
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answer #1
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answered by Kosher1 2
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I hear Sears is easier to get. There are other credit cards like visa or MasterCard that you can get but there is a fee. You can apply for these and get them and once you establish some credit you can get better ones if the department store aren't being cooperative.
Household bank
First Consumers
First Premier Bank
Merrick Bank
Capital One
Aspire
Good Luck!
2006-07-04 19:52:13
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answer #2
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answered by sharebear1967 3
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Honestly, get a credit card or a department store card. Use it WISELY and always pay more than the premium. Try Target.
2006-07-04 19:37:31
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answer #3
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answered by aangelkissed 2
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The best start is don't get any. You are better off paying cash for everything, except a house
2006-07-04 19:58:13
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answer #4
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answered by Anonymous
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do you have a job history? if not, then try to have someone co-sign a loan and when you pay it off you will then have some credit history.
2006-07-04 19:51:35
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answer #5
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answered by aughtnine 2
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Please visit the Fannie May Foundation on wise credit use. In this day and age, credit is almost as important as your health!
2006-07-04 19:39:32
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answer #6
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answered by JC 2
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