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I want to build my credit without a credit card or loans. I have a phone plan through my job so I'm not sure if that's building it or not. Most places won't let me build credit without already having it so does anyone know of any ways I can begin?
Started by LovinLisa on
, 11 posts
by 9 people.
Answer Snippets (Read the full thread at cafemom):
Good luck! If you don't want to borrow money, whyDo you have any bills in your name? Like electric or cable? Everything effects your credit in some, but it isn't the first time....
To build credit after my ex and that's how I did it.
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I am thinking of those who do not have a credit card and pay for everything by check and cash. How is their credit rated? Is it based on a loan for example (car, student, etc.) and what if it is their first time applying for such a loan? How is their ...
Started by charlt on
, 11 posts
by 9 people.
Answer Snippets (Read the full thread at pinoymoneytalk):
You can also build credit history through other bank loans - like a personal loan, housing ....
Some say checking accounts also build credit and it isn't the only way.
Such as car loans, housing loans, credit cards etc.
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Hello,
I have had a bank of america credit card for 4 months with a credit limit of $500 and before I applied for this credit card I had NO credit history what so ever...
I try to charge 35% or less on it every month.... and I ALWAYS pay it completly ...
Answer Snippets (Read the full thread at money-talk):
But if you view a credit card as free this....
Secondly, banks rather give a better rate to someone who are a great way to build credit and manage your finances.
It is a very fast and effective way to build credit.
On it.
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Ask your Facebook Friends
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I'm looking to build up my credit rating.
18, (turned 18 a few weeks ago) and i've done a few silly things by applying for credit in a short space of time.
Thankfully, Vanquis have just given me a chance to build up a credit rating.
Anyway, i was wondering...
Started by TrueUnitedFan on
, 20 posts
by 13 people.
Answer Snippets (Read the full thread at moneysavingexpert):
It's going to take 2 years for me to build up a decent credit file, i must admit.
It's not that i need the money, it's just i want to build up my credit rating, no one will give me.
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22, In college and planning for the future and starting to put money away and I'm looking for help/advice on getting a Credit Card to start building credit.
What would be the best way to do so, appreciate the advice.
Started by Burdman2321 on
, 15 posts
by 9 people.
Answer Snippets (Read the full thread at twoplustwo):
People were dying to give students credit to the point where ....
Per month), but you'll be able to build some credit and as long as you pay on time, they'll slowly cards, a furniture store card, and a gas station credit card.
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Several people have now advised me that I need to start "building" my credit. I have no idea what this means, so I could use some advice tbh.
Right now my only debt is my student loan, which I could pay off right now if I wanted. I got no credit card ...
Started by GoodOdor on
, 16 posts
by 12 people.
Answer Snippets (Read the full thread at spurstalk):
Originally....
Originally Posted by Destro
You don't need a credit card to build your or something similar.
You don't need a credit card to build your score raising your lifestyle.
Through college and paid on that for a while.
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I was wondering if anyone had interest in credit building tips & tricks and things that can be done :wink: to build credit in order to fund our little and sometimes not so little selling.
The problem i go into was pre - selling things and putting item...
Started by newtools on
, 24 posts
by 13 people.
Answer Snippets (Read the full thread at aspkin):
Say you have a debt that's already....
I have another question about this.
It still works.
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I am looking to build up my credit rating and get myself all sorted out. Having checked my experian and 'checkmyfile' reports I show as having all zeros - no credit, no outstanding accounts, all the items are zero, I have a few searches showing, one for...
Started by chergar on
, 12 posts
by 7 people.
Answer Snippets (Read the full thread at moneysavingexpert):
Are you on the electoral roll and does this show on your credit file?
I assume you mean you have no credit accounts visible at all? Did the catalogue company decline you as well as cap1?
Does your bank account have an overdraft?
Which of....
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I have never owned any credit cards and the last time I checked, I had zero credit history. I've always just paid for larger stuff with cash and smaller stuff with cash/debit card. I would like to start building credit though and I have no idea where ...
Started by zraffz on
, 22 posts
by 17 people.
Answer Snippets (Read the full thread at njfboa):
Having a card to build credit is good, but when your car has been sucking money go to collections....
2 words, bills, and fun.
Debt to credit ratio, and on and on and on
That a quick way to build credit and best of luck.
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Afternoon everyone! First post here after a long time lurking... Hope some of you can offer me a bit of help
I've been approved for a Barclayard Initial credit card, which I went for after looking up a few credit builders, and it's my first (and will ...
Started by Missy89 on
, 8 posts
by 6 people.
Answer Snippets (Read the full thread at digitalspy):
Under the Consumer Credit Act you get protection from the credit ....
Credit cards are also useful if purchasing something quite pricey - a new TV, a holiday etc.
Little and often seems to work well.
Sounds like a sensible plan to me.
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