How can I establis credit if no one wants to give me any???

Answer 1

If you don't have one already, you should open up a checking and savings account. Though it won't directly build your credit, it will show that you have a way to manage your money.

Then you might want to check to see if where you bank offers low limit or secured credit cards. Bank of America, Wells Fargo, Orchard Bank, are some that offer secured cards if where you do your banking doesn't offer them. I posted the links to apply directly to the cards below. They're the easiest to get becuase you have to put a deposit upfront in a savings account to get the same amount in a line of credit. For example, if you deposit $500, you would get a $500 credit line. Although it sucks to have to put that deposit upfront, you can make it work for you becuase you control your credit line. Also, if you add to the deposit every 2 months or so, you'll have a higher limit. Higher than if you were approved for a credit card anyway. If you pay the card on time and keep the balance low or 0 preferably, you'll get the deposit back usually after a year, with possible interest. My advice would be to make small purchases ($20-75/month) that you can pay off on-time, in full every month and use the card only in emergencies.

Another thing is to see if a close friend or a family member with good credit can add you to their credit cards as a authorized user, but you don't get a card. They're only adding you for credit reporting purposes only. Make sure that they make sure that the credit card company reports that account on your credit too. By doing this you'll add their account history to yours establishing credit for you.

Lastly, check out this website http://prbc.com/default.php?

If you pay rent, cable, utilities, insurance, day care, phone, cell phone, etc. every month, you can report previous payments from up to 3 years back and current payments, have them verified and scored in a report that can be used with your regular credit reports. Look this site over, there's too much for me to explain, but I feel that this is perfect for your situation

Answer 2

The best place to start is by getting a credit card. Many department stores are willing to give out credit cards with small credit limits. You can increase your creditworthiness by paying off your credit card each month.

You may have had trouble getting a credit card if you have a bad credit history. The government has allowed all consumers to get 1 free credit report per year from each of the main credit reporting agencies: AnnualCreditReport.com Check out your credit reports to see if there is anything on there that shouldn't belong there.

Answer 3

I suggest searching the answered questions; I typed out a detailed response to this question yesterday.

I'm putting in a link to a page that talks about credit; it should have more info for people with no credit whatsoever in the next week or so.

Answer 4

I have listed a site below that obtains a free list for consumers of finance companies that issue credit to people with bad credit. It has secure, unsecured and prepaid cards and gives you a summary of each.

Answer 5

Almost sure that you might find every financial clarification at= financial-care.info-

RE How can I establis credit if no one wants to give me any???

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Answer 6

You can be added as an authorized user on someone else's credit card. I have found useful information about this at www.genesiscreditgroup.com
Hope this helps.

Answer 7

Try a store card, they give those out like Candy.

Answer 8

ask for someone (a friend/family member) to co-sign for you. Not everyone may be willing to co-sign, because if you don't pay the bill, they are held responsible.

Answer 9

try a secured credit card.. like bofa