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Message
re: Spinoff: what are good ways to build..
Posted on 11/13/12 at 12:36 pm to LSUTigers00884
Posted on 11/13/12 at 12:36 pm to LSUTigers00884
here are some good student cards
LINK
I dont think you need 3 lines of credit i think you need 3 credit scores.. so it basically all depends on who your card reports to.
I have 1 credit card... have had it since school. went to apply for a loan here recently and they denied me because i have "thin" credit. essentially my CC was only reporting to 2 of the bureaus...
so the lesson to be learned (you are way ahead of me) is to not sign up for a ton of credit cards but do seek out ways to improve your score...
can you piggy back your parents. ie get added as an authorized user... they don't have to give u a card just add u on their account.
LINK
quote:
You need 3 lines of credit to buy a house?
Is one credit card one line?
Would I have to get 2 other credit cards (in due time)?
I dont think you need 3 lines of credit i think you need 3 credit scores.. so it basically all depends on who your card reports to.
I have 1 credit card... have had it since school. went to apply for a loan here recently and they denied me because i have "thin" credit. essentially my CC was only reporting to 2 of the bureaus...
so the lesson to be learned (you are way ahead of me) is to not sign up for a ton of credit cards but do seek out ways to improve your score...
can you piggy back your parents. ie get added as an authorized user... they don't have to give u a card just add u on their account.
3
Posted on 11/13/12 at 12:39 pm to bryso
Mom is terrible with money-- I refuse to do that-- it will hurt me if I'm added to her account. Might talk to uncle.
Is there any way I can find out if a credit card reports to all 3 bureaus?
Is there any way I can find out if a credit card reports to all 3 bureaus?
Posted on 11/13/12 at 12:44 pm to bryso
quote:
my CC was only reporting to 2 of the bureaus...
What credit card if you don't mind me asking
Posted on 11/13/12 at 6:14 pm to bryso
Luckily my parents did this for me, even inadvertently. They added me to a Sears card when I was ~10 and it still shows up on my credit. Unfortunately, if its carrying a balance, that also shows up. But my credit history is very old due to this, and helps increase the average age of my accounts.
I also did the "credit builder" loan, and opened a Chase Student card (now Freedom) in college. I think my initial limit was $400.
I also did the "credit builder" loan, and opened a Chase Student card (now Freedom) in college. I think my initial limit was $400.
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