Job offer rescinded- Bad Credit

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

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.

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

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.

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