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Job offer rescinded- Bad Credit

 
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carolina cutie View Drop Down
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Post Options Post Options   Thanks (1) Thanks(1)   Quote carolina cutie Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 8:59pm
Good advice has already been given so here's a hug to err'one, especially the OP.Hug
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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 9:00pm
Originally posted by Sang Froid Sang Froid 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


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.



thx
a student loan is worth a try...

do you know the smallest you can take out?



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Post Options Post Options   Thanks (0) Thanks(0)   Quote nitabug Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 9:01pm
you can take out any amt I believe, up to the max. That's a smart idea.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Bunnyahh Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 9:03pm
listen to Val, those are good stores to start.  You should get it. AND check out the cards that have an annual fee & low credit limit.  Those always approve cuz they are the worst.  After the cards start rolling in, cancel the one with an annual fee.  Also, what happened to the Suze Ormond one that helps you get credit?  You said u were gonna look into that
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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 9:03pm
Originally posted by Sang Froid Sang Froid wrote:

Why are you so worried about credit?
You plan on buying a house tomorrow?


No, but you need it for renting apartments, and opening credit cards...

I have an apartment now but I loathe paying a big extra deposit for lack of credit

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Post Options Post Options   Thanks (0) Thanks(0)   Quote val48066 Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 9:03pm
Originally posted by Quiann00 Quiann00 wrote:

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.


This is good information but I disagree with the order.  The first thing the OP should do is check the statute of limitations in her state.  If any items are past the SOL, she should dispute these items to have them removed from her credit report. OP, creditboards.com really has a ton of information for fixing your credit most expeditiously.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Bunnyahh Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 9:05pm
even tho my son is underaged, I think I'mma start to establish his credit b4 2013 is out, so he'll be set by the time he's 18/21
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Post Options Post Options   Thanks (0) Thanks(0)   Quote joileprincess Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 9:07pm
Modeless, if your school has a credit union you can try to get a card through them. That may be easier for you since they may a student card and/or a decent interest rate.
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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 9:09pm
Originally posted by Bunnyahh Bunnyahh wrote:

listen to Val, those are good stores to start.  You should get it. AND check out the cards that have an annual fee & low credit limit.  Those always approve cuz they are the worst.  After the cards start rolling in, cancel the one with an annual fee.  Also, what happened to the Suze Ormond one that helps you get credit?  You said u were gonna look into that

cancelling the card will make her take a hit to her fledgling credit 
she can just get one that has a $500 credit limit. OP that is how i started to rebuild my credit. ignore the cards that charge you a fee.


again you should just wait until you have some sort of steady employment. then you won't have to take out as many crappy cards, can truly be selective, and not risk late payments. life happens and sometimes you need the cash you would have used on your cards for something else.

or like someone said get a student loan bc that is "good credit" but be careful with private student loans. or get a credit card through your bank.
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Post Options Post Options   Thanks (0) Thanks(0)   Quote Quiann00 Quote  Post ReplyReply Direct Link To This Post Posted: Nov 19 2012 at 9:14pm
Originally posted by val48066 val48066 wrote:

Originally posted by Quiann00 Quiann00 wrote:

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.


This is good information but I disagree with the order.  The first thing the OP should do is check the statute of limitations in her state.  If any items are past the SOL, she should dispute these items to have them removed from her credit report. OP, creditboards.com really has a ton of information for fixing your credit most expeditiously.

That's true about the SOL.  I forgot about that.  These were the steps I was advised to take when I was completing an SF86
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