I have recieved things in the mail saying that I am pre approved and then they deny me! I have 0 credit and I need credit bad. I am about to have a baby in 4 months and my husbands credit is bad. Help please!
2007-10-26 18:24:11 · 8 answers · asked by Amy Dean 2 in Business & Finance ➔ Credit
If you have a job you should be able to buy something on credit, maybe a appliance or some furniture. You might be better off staying with no credit since you pretty much have to buy something to build credit. Maybe your husband can improve his credit then add you as a user on one of his accounts.
2007-10-26 18:28:43 · answer #1 · answered by shipwreck 7 · 0⤊ 0⤋
You could get what's called a Secured Credit Card, basically you give the company a security deposit (which is fully refundable) of the credit limit you want, and from there it works as a normal credit card and builds your credit rating.
2007-10-26 20:38:09 · answer #2 · answered by Montana A 2 · 0⤊ 0⤋
They could be looking at your combined credit rating.......... but a good place to start establishing credit is through a rent to own store.... we did that with a living room set. It shows potential lenders out there that you're serious about establishing credit especially when you've got zero.
And you can always look at ways to cut costs in your own life, so you have more money to work with....... there's lots of books out there on frugal living which should help when the baby comes!
Here's a link for establishing credit:
http://articles.moneycentral.msn.com/CollegeAndFamily/MoneyInYour20s/9waysToBuildAKillerCreditScore.aspx
Goodluck!
2007-10-26 18:29:41 · answer #3 · answered by Anonymous · 0⤊ 0⤋
Check out this website www.fastcreditcardapprovals.com they have all the best credit cards for people with good, bad or no credit, plus the cards have the best interest and great rewards, compare them side by side.
2007-10-27 03:09:49 · answer #4 · answered by GTW 3 · 0⤊ 0⤋
YOU NEED NO CREDIT.
Live on cash.
Our nation is on the verge of collapse, due to the myth that credit is necessary and helpful.
Those who have saved up and avoided debt completely will be very fortunate, soon, as opportunities are best in the chaos of the impending general financial calamity.
.
2007-10-26 18:36:28 · answer #5 · answered by AlmondJoey 2 · 0⤊ 0⤋
Try for a department store credit card. Or what i did was get a prepaid on from the bank...that's how i helped raise mine and now I have 6 cards too many. â¥â¥
2007-10-26 18:29:34 · answer #6 · answered by Miss Elizabeth 2 · 0⤊ 0⤋
Try this website. There are links to help you build available credit. I did it myself and my credit score is now 709 when it used to be 480!
You also need to clean up and repair your credit report and this site is all about cleaning up and repairing your credit. I used this site and it is worth reading!
2007-10-26 18:50:54 · answer #7 · answered by Anonymous · 0⤊ 0⤋
SIMPLE go to the mall in jewelry store open an account with 20% down in a small jewelry / watch less than $200 only and pay it on time then you will have history for they report it.
click this: http://ld.net/?mj2
2007-10-26 18:54:11 · answer #8 · answered by MJ2 2 · 0⤊ 0⤋