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re: No credit = No credit card to build Credit?
Posted on 8/30/10 at 6:36 am to TheHiddenFlask
Posted on 8/30/10 at 6:36 am to TheHiddenFlask
I agree. Go to a local bank and get a secured revolving account. Or if your parents are willing to make you an authorized user on one of their cards and they have really good credit that will help you out as well. As an authorized user that doesn't mean you would have a card, but its a great way to build credit. For mortgage purposes you'll need a minimum mid credit score of 620 and the Fair Credit Reporting Act allows everyone to get a free credit report once every 12 months, just go to www.annualcreditreport.com.
1
Posted on 8/30/10 at 7:16 am to cadn0327
I had the same issue and we ended up getting an American Express in my name eventually. We have to pay a couple hundred bucks a year for the card, but we were given enough flyer miles when I opened the account to neglect the yearly card cost (at least for a year or so).
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