if you cant get a credit card or bank loan I would assume you have credit, but I would also assume its bad-
Credit card agencies tend to offer credit cards to people with no credit as to build up the score- If your 31 and have had an apartment, electricty, cable, cell phones, internet, anything of those things in your name that all gets landed on your credit history- it gets judged on your inablity or ablity to pay-
providing you paied on time, or mostly on time for all your bills from 18 to 31 (including medical) your credit should be half way decent?
I got a credit card at 18 and every month I would get Ihop for me and the girls, a full tank of gas and a shirt or a pair of shoes- making sure that it was less than 200- than at the end of the month I would pay it off RIGHT AWAY- in 2 years I had great credit!
at 3:03 PM on May. 20, 2009