2006-12-08 08:15:45 · 3 answers · asked by ♥Asker 2 in Business & Finance ➔ Credit
Go to a local credit union. Ask for help from their bankers.
You'll want to get a credit card (NEVER owe more than 50% of the limit), and an installment loan of some kind.
They might be willing to take a $500 deposit from you as collateral for an "unsecured" personal installment loan, which you can pay back over a minimum of 6 months. Anything shorter will not hit your credit scores, too short of a time paying.
2006-12-08 08:26:00 · answer #1 · answered by Anonymous · 1⤊ 0⤋
There is no fast way when it comes to credit whether building or rebuilding. Things take time to post with the credit bureaus except for inquires and recently open accounts. While the credit bureaus have a foundation method, each rates and reports things differently. Opening a credit card that is non-proprietary (i.e. department store or gas card), charging it, keeping the balance under 25% (the new recommended percentage), and make on time payment is a good pace. Once you open one credit card, be prepare to receive spike of offers. Only pick the one that best suits you. Do not apply for all of them because credit inquires stay on your report for two-years. While credit inquires are not too damaging, they can lower your credit score a few points.
2006-12-08 16:53:43 · answer #2 · answered by jynxx25 2 · 0⤊ 0⤋
apply for a credit card if you never had one it`s not that hard to get one , most companys have a student or first credit card program , if you have bad credit apply for a sucure credit card that will show on your credit report as a non surcure card most have high fees but high you have bad credit
2006-12-08 16:20:50 · answer #3 · answered by loboboh 2 · 0⤊ 0⤋