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Started By
Message
Establishing Credit
Posted on 10/5/16 at 2:21 pm
Posted on 10/5/16 at 2:21 pm
Can you give me any ideas or what direction I need to follow in order to establish a credit score? I appreciate your response in advance
3
Posted on 10/5/16 at 2:22 pm to TygerWes
Get a secured credit card. Use it for 1 or 2 purchases a month, and pay it off each month.
Posted on 10/5/16 at 2:23 pm to TygerWes
Get a credit card
Use it to buy your gas every time
Pay it off at the end of the month
Use it to buy your gas every time
Pay it off at the end of the month
Posted on 10/5/16 at 2:56 pm to VermilionTiger
Both of these answers above. Another alternative, some furniture stores are more lenient for borrowers with little to no credit. Try someplace like Conns if you need a new refrigerator or applaince and get a 12 month installment payment.
Posted on 10/5/16 at 3:08 pm to HYDRebs
Do the payments on the installment plan transfer to your credit report?
Posted on 10/5/16 at 3:14 pm to TygerWes
I know Conns does but you can try looking up someother stores in your area to see if they do as well. I think the best way to go about it is a secured credit card though from your bank or credit union.
Posted on 10/5/16 at 5:10 pm to TygerWes
There are a lot of stores that offer no interest on purchases. I know wal mart and best buy both report as credit. Purchase you a new TV or something of that sort, make payments. I also would do like other people and get another credit card to pay for gas then pay if off every month. I would get as many as you can to start off, otherwise you will build your score then instantly hurt it if you get another. I would get a no interest one and make payments, then get another through your bank for gas...just pay it off every month.
35% -Payment History
30%- Amount You Owe
15%- Length of Credit History
10%- New Credit Opened
10%- Types of Credit You Have.
35% -Payment History
30%- Amount You Owe
15%- Length of Credit History
10%- New Credit Opened
10%- Types of Credit You Have.
Posted on 10/6/16 at 9:24 am to dshort_bruh
in reference to the furniture/appliance deal earlier. I financed my bedroom set from furniture row, and their bed store, on a sale for 24 months interest free. It was on a capital one credit card. I know for a fact they reported. Also make sure to watch it carefully, though. The tried to charge me interest the first month, and I just called and they had it credited back to me.
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