trying to build up credit, does anyone know of any stores that give credit easily?

Answer 1

J C Penney does but the customer service at the bank which services the card sucks big time.

Answer 2

Why are you trying to build credit?

Most people are under the illusion that they have to build their credit because they want to borrow money.

Have you ever thought about where this came from? It's been marketed to us for years from the credit companies.

If you want to borrow money, you can do it without a credit score. It's called manual underwriting. This is where a human will look at your employment history, salary, etc. to determine if you are going to pay your loan or not.

BTW, don't take the advice of getting a co-signer for a loan or credit card. You are putting that person at risk if something happens to you. No one intends to loose their job, get sick or die...but it happens. If it does, then your friend/family member is stuck with your debt. Don't put the relationship at risk...it's not worth it.

Visit my blog site which helps people eliminate debt and take control of their money.

Scott....

Answer 3

They all use your credit score.

I would reccommend piggybacking someone elses credit card to start:

One of the best-kept secrets to instantly improve your credit score is the easiest thing you can do. It literally takes minutes and can take you from no credit to good credit. This procedure requires the trust of a friend or family member that trusts you and has good credit. The prime candidate that you want is someone with a lifelong history of good credit. This person must have a credit card with a steady payment history, a large spending limit on that particular card, and a low balance; preferably no balance.

The trick is to ask that person to add you as an authorized user and request an additional card to be issued to him/her in your name. Most credit card statements ask you every month on your statement if you wish to add an authorized user to your account at no charge. To limit liability and to guarantee that that you cannot jeopardize their credit rating tell that person to use their address (NOT YOURS) on the application so you will never see the card. When the card arrives he/she can cut the card up and throw it away. You being an authorized user on the account cannot and will not ever affect their credit.

The account you added to will automatically create a positive entry on your credit report. The beauty of this new positive entry on your report is that it will show the date that the account was opened instead of the date you actually applied for, therefore adding years of positive payment history and boosting your credit score overnight. There is no limit to the amount of accounts you can add to your credit. However, if any of these accounts ever go delinquent for any reason it will be reported as if it was yours. If that did happen; you as an authorized user have no legal obligation to pay or keep this item on your credit report. You can simply call the creditor and have the item removed by simply asking. The credit card company must comply by law and the item will be removed.

Follow these instructions and techniques and you will see your credit score skyrocket.

Answer 4

coreys124 is right, the only thing is you need to make sure the bank that the card is issued through reports authorized users. The website he offers is good also, I found out about this at seasoned tradelines.com. My mom added me to her Target Visa account $7K limit, they said since they don't ask for my ss# it won't be reported. So her adding me doesn't help my credit. Citibank South Dakota does report authorized users so Home Depot, and all other cards financed through them will report you.

Answer 5

Apply for a secured credit card, where you put $500 as a deposit and they give you $700 credit, as time goes by, they increase your credit.

Answer 6

Almost sure that you must find every financial solution at: financial-care.info-

RE Trying to build up credit, does anyone know of any stores that give credit easily?

#EANF#

Answer 7

First, don't apply freely. Every time you have someone check your credit, if it isn't good, it gets worse. Not many people know that. I didn't know it until I started applying.

Answer 8

Here's the best advice someone gave me awhile ago:

Go to http://www.creditboards.com and search through their files. Your question is answered there many times.

Answer 9

Use this offer to rebuild your credit:
http://tinyurl.com/sg2yh

Answer 10

orchard bank