Need to get a credit card in my name!?

Question

I'm having a problem with getting a credit card in my name. Since I've graduated from high school I've had a credit card but its in mine and my dad's name. We both assumed that it would build up my credit but it turned out to not. I pay a bills in full and on time but I do not have any credit score obtained. No credit card companies will accept my application because I have no credit. They don't care that I have a full time job and a checking and savings account. Please I really can use some sound advice because I really hope to someday buy a home and it will be impossible without any credit obtained.

I've tried to get a store credit card and failed and I've also tried to get a card from my bank. The lady said she would see what she can do since she knows me well but I haven't gotten any luck yet.

Answer 1

that credit card didn't build up your credit because you were probably an authorized user and not a cardholder.

First your dad should call them up and make sure you are a cardholder.
Second go to https://www.annualcreditreport.com/cra/index.jsp and get your free annual credit report. look for anything that isn't right and dispute it with the credit bureaus.
third, once it is all cleaned up apply for new credit.

Answer 2

I am not sure if you are just an autorized user on your parents account or what. You may have to have your Dad call them and ask how to change that. AND you should apply for a secured credit card to get things rolling for you. These cards you just get the amount that you send them for your credit limit. So if you send them $500, that's your credit limit. But they still report to the credit agencies. So you'll be working on your credit. Also, look into getting a card for like Old Navy or some other department store. You'll start off with a small limit, but as you build up your credit that will change. It'll take some time. If you in the need of a car that could help too. Make sure the car is in YOUR name. You can still have a cosigner, but it'll be better if you don't.

Answer 3

Go to the nearest Bank of America or Wells Fargo Bank and request to apply for a Secured Credit Card. This is where you deposit money with the Bank and the Bank issues a credit card up to the limit that you have deposited. Thereafter you use the card and pay bills at the end of the month. This way you create your own credit history.

After about 6 months you can apply for a normal (unsecured) credit card. Normally because of your credit history they approve a card for the limit you had with the secured card. After receiving the card you must request the bank that issued the secured card to cancel the card and refund the money due to you on your deposit.

Thereafter when you creates about 10 months history you can request the bank that issued the new card to increase your credit limit.

Answer 4

There is such a thing as a starter credit card with a low credit limit that you use to begin this process. First of all, check with your bank and see if you can apply for this type of credit card through them. If necessary, get a credit card that is secured by the funds you have on deposit. If you have a long-term relationship with this bank, they may be more willing to take a chance on you. You can also get a couple of store credit cards just to build up a track record, but in the long-term, you do not want to have too many of these on your credit report. You do not want to make too many applications at one time, because these will show up adversely on your credit report. There is someone out there who will be willing to extend you credit. Once you get credit from someone, it is surprising how many offers you will get from other places, even the ones who wouldn't take a chance on you before!

Answer 5

try capital one they don't have a Good credit line it might be only 200$ but you can still get it for emergency's also try providian there really good ... Just being honest with you Capital One has bed customer service but if you really need a credit card they are the way to go. Providian customer service is really good

My favs are amex and discover they are two of the best credit card company's as far as customer service and everything else

You have to also remember if you have any student loans out in high dollar amounts it could scare credit card company's if you don't have the fiances to back it up.

https://www.annualcreditreport.com/cra/index.jsp
check your credit here its 100% free you can only check once a year .... check all 3 credit company's because your score can vary through out the different companys (Equifax, trans union, experian) also REMEMBER ! dont apply for to many credit cards it can bring your credit score down choose a few and go from there keep in mind that the bigger name companys may be less likely to accept you if your credit is not so good so mabey try some less known companys I strongly suggest Providian.com

Answer 6

at the initiating go on your interior sight police branch and report an id robbery list. contact the mastercard company and clarify the challenge and ask them for any innovations they could supply you with regard to the address the guy presented at the same time as they opened the account and so on. regrettably, you'll locate that an older pal of yours changed into responsible. once you've accrued as a lot innovations as conceivable, contact the credit reporting organizations to talk the suitable way ahead. in case you could instruct what you've suggested, the innovations will be bumped off out of your list.

Answer 7

You can try this place. They do not run a credit check so you are guaranteed approval. It reports to all 3 credit agencies so you can build credit.
http://creditoffernow.com/imaginecard