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Job offer rescinded- Bad Credit

 
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ModelessDiva View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ModelessDiva Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 8:48pm


I can't get a credit card

can't take out a loan

can't get financed for anything...

nothing I've already tried everything

how the HECK do I ever get to establish credit if I can't get approved for ish
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ModelessDiva View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ModelessDiva Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 8:49pm
Originally posted by Bunnyahh Bunnyahh wrote:

and why haven't tried to get a credit card by now MD?


no credit card company will approve me bunny

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EPITOME View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote EPITOME Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 8:49pm
i think they have changed regulations about how college students can receive credit.  they've legit limited it bc so many ppl were getting okey-doked.
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Post Options Post Options   Thanks (1) Thanks(1)   Quote val48066 Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 8:53pm
Originally posted by ModelessDiva ModelessDiva wrote:



I can't get a credit card

can't take out a loan

can't get financed for anything...

nothing I've already tried everything

how the HECK do I ever get to establish credit if I can't get approved for ish


try starting off with a store card......target, macy, kohls, jcp, etc. 

and creditboards.com has listings of credit cards most likely to approve people.
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ModelessDiva View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ModelessDiva Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 8:54pm
Originally posted by EPITOME EPITOME wrote:

i think they have changed regulations about how college students can receive credit.  they've legit limited it bc so many ppl were getting okey-doked.




they did...I think back in 2008

it's damn near impossible now

even the student cards require some credit to be approved

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Post Options Post Options   Thanks (0) Thanks(0)   Quote Sang Froid Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 8:55pm
Originally posted by ModelessDiva ModelessDiva wrote:



I can't get a credit card

can't take out a loan

can't get financed for anything...

nothing I've already tried everything

how the HECK do I ever get to establish credit if I can't get approved for ish

You have to be 21 to get a CC without a cosigner. 
You can get student loans.
Get a small one and pay it back.
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Post Options Post Options   Thanks (2) Thanks(2)   Quote Quiann00 Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 8:55pm
OP,

I would contact each of the biggest credit bureaus (I think it's Transunion, Experian and Equifax) and get a credit report from each.  Go directly to their site and sign up.  You should be able to get a free report every 12 months.  Nowadays, if you go through one credit bureau, you can pay a fee and get all three reports.  But it's best to have all three from the different credit reporting agencies because they all have a different grading scale.  So you may have a 700 credit score with one and a 800 with another bureau because they all don't have the same credit information. 

Go through the reports, circle the people you owe, call them and set up payment arrangements.  Pay what you can, $20, $50, whatever it is, pay it according to the terms set.

I think the credit bureaus update their information every quarter. So if you pay something off, you will still have to wait.  But once you pay it off, contact the creditor and the credit bureau and make sure they take if off your report. Then get another report, maybe 6 months later to make sure the delinquency was taken off. I believe in a years time you can improve your credit this way.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ModelessDiva Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 8:55pm
Originally posted by val48066 val48066 wrote:


Originally posted by ModelessDiva ModelessDiva wrote:



I can't get a credit card

can't take out a loan

can't get financed for anything...

nothing I've already tried everything

how the HECK do I ever get to establish credit if I can't get approved for ish


try starting off with a store card......target, macy, kohls, jcp, etc. 

and creditboards.com has listings of credit cards most likely to approve people.




I've tried store cards too but even Victoria's secret declined me a couple weeks ago


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ModelessDiva View Drop Down
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Post Options Post Options   Thanks (0) Thanks(0)   Quote ModelessDiva Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 8:58pm


I think what's fcking me up is the fact that I have so many credit inquiries now because I've been trying so much...

this whole system is ish

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Post Options Post Options   Thanks (1) Thanks(1)   Quote Sang Froid Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 8:59pm
Why are you so worried about credit?
You plan on buying a house tomorrow?
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