How do i get credit if i am denied every where because i dont have credit?

Question

And i tried all the department stores and all that extra stuff.

Answer 1

You can get credit cards if you have bad or no credit.

That way you can start building....here's a link...

Answer 2

This was my issue when I was young and a Freshman in college....we won't talk about how long ago that was!

I discovered years later that it was the TYPE of credit I was applying for.

I would probably go to the local college and see if there are any flyers for major cards for cards designed for students. That is how I got my first card....it only had a limit of $500, but the limit was quickly increased with on-time payments.

I wish you luck...and remember good credit is extremely important and bad credit can take years to repair.

Answer 3

Start small. Before I ever had credit, the first thing I was approved for was when I got a 6 month revolving credit account to buy a ring for my (then) boyfriend. That established at least one good item on my credit report, so I went and bought a sofa-bed on a 12 month "same as cash" account. It got better from there. In fact, once you get one account, you'll start getting dozens of mail offers. (Be sure to shred them - dumpster divers can find them and send them in pretending to be you)

Answer 4

Secured credit cards are a great way to rebuild your credit. Most secured credit card companies require a deposit equal to the credit line your are seeking. Make sure they report your payment monthly to the major credit bureaus. Making your payments on time monthly will increase your credit rating. You will also get you deposit returned to you after one year, turning your secured credit card into a unsecured credit card.

Answer 5

You're fubar-ed. The system isn't set up for people like you, guy. The best way to do it is to get your old man to co-sign a loan for a car or something like that. Once you pay off a car, you're golden, so long as you don't start fxxking up. Are you like me and don't have parents to co-sign sh_t for you? What then? Apply for a car loan anyway. I went into a dealership dressed like a million bucks and basically talked the salesman and their credit manager into fudging the paperwork to get me through. It works, you just have to try. Be confident, don't let them ********, but instead give them ******** of your own. Once you get a car loan, pay it off on time without f__king it up. Once you accomplish this, you're all good.

-J.

Answer 6

You get a secured card. That means you put upfront the money you want to be your credit limit. Then you use it like a normal card and make payments. The company holds your initial amount as colateral.

Answer 7

There are credit cards for people who have no credit like yourself. I recommend the Orchard bank card. They report to credit bureaus to help build your credit history.

Answer 8

as you have said that you tried so i can give you only a last option. Discovery has a card with 0%apr rate and many reward programs. so you can choose this. It also improves your credit score.
To know more you can visit
http://www.creditcardbiz.blogspot.com

Answer 9

the best credit is start a savings account and then work on establihing credit,or work with a checking account,credit is most horrible when you have saved no money