i have nothing on my credit report. when i try to get anything, a loan, a credit card, anything, i get turned down. it is always because i don't have any credit. how can i start building credit? my name is on utilies, bank accounts and the lease on our house. and it has been for 3 years.
Answer by TezMoM at 7:35 PM on Aug. 24, 2010
Answer by Finkette at 7:35 PM on Aug. 24, 2010
I will be from the other side of the debt fence. Avoid credit cards and debt. If you have paid your rent or mortgage on time for 24 months or greater, you qualify for a standard conventional home loan. My credit rating number is ZERO. If I do not have the money to buy something, well I just don't buy it. Whatever happened to saving up for what you want and then paying CASH for it. I am pretty old school with regards to money. 25% of my income pays for housing and utilities. 25% of my income is deposited into savings. 25% of my income goes towards car fuel, car tags and car repairs. The last 25% is divided between food and giving. I have lived this way for years. I hope you find the answer you are needing. Check out Dave Ramsey for financial information. There is a group of Dave Ramsey followers on Cafemom. A credit score or a FICO score is nothing more then a "I love debt" score.
Answer by Joeygoat at 7:51 PM on Aug. 24, 2010
Answer by TwoBrownDogs at 7:25 PM on Aug. 24, 2010
What about a car note? There are places that will work with you even with no credit, and they report monthly to the credit bureau so you can start to establish some credit.
Answer by sheloveearth at 7:34 PM on Aug. 24, 2010
Answer by Erica_Smerica at 7:42 PM on Aug. 24, 2010
Answer by musicmom08 at 7:24 PM on Aug. 24, 2010
Answer by 69humblepie at 10:09 PM on Aug. 24, 2010
Answer by CorrinaWithrow at 11:41 PM on Aug. 24, 2010
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