credit problem....????

Geraldo Mccalla: You can try a secured credit card..Just type that in google..You will have to pre-pay it. But then you can use it like a real credit card. It will do wonders for your credit. Just be careful, credit cards can get you into trouble...

Joan Stavropoulos: Well, I definitely understand you wanting to build credit and all, and while being a 2nd card holder on your boyfriend's credit card is ok, there's always a better option. But first, I'll explain why you shouldn't share credit. I'm going to play devil's advocate for a second. You and him fall out and get on bad terms, although you might want to wash your hands of him, that bill would still be in your names. And keep in mind this is only your boyfirend. People that are married have these types of problems and it's far worse. The easiest way for you to build credit is to check where you do your banking to see if secured credit cards are offered. Think of this as building credit with a savings account, be! cause that's bascially how it works. A security deposit usually tied to a savings account is used as collateral in order to secure a line of credit in the same amount of the deposit. While you wouldn't be able to pay the minimum payment or the account balance, with the deposit, you still would earn interest on the deposit while you're building credit. Also, another advantage is that you can add to the deposit at any time in order to increase the credit line. The higher the credit limit, the better it looks on your credit. As long as you keep the balance low (25% of your available credit) by making small purchases, and paying on time every month, usually after a year or so, not only the card converts to a regular card or a better card's offered and you get the security deposit back with interest added. This way, you managed to save up some money for yourself, build credit without having to share any risk from your boyfriend!Oh, and I almost forgot that Orchard Bank offers ca! rds for people starting out or starting over. Plus they also o! ffer secured cards as well.I posted links to all the secured credit card websites I knowI hope this helps,Good Luck!...Show more

Lon Pennington: There are some credit cards which helps to build up credit you can go for cards like that type.To know more you can visithttp://financialhelp.page.tlandhttp://www.creditcardbiz.blogspot.com

Keneth Mailhot: My boyfriend definatley won't screw up. He pays everything early and pays more than he needs to. He has GREAT credit.

Edmund Rappley: There are credit cards for people with bad/no credit. I recommend the Orchard bank card. It reports to credit bureaus to build your credit history.

Clark Lachowski: Yes, you must be a cosigner though and not just a authorized user.

Bethany Blocker: before everything - FICO is a RACKET!!! it fairly is designed with the aid of the mastercard industry to maintain damaging human beings from getting forward (so as that they choose greater credit - through fact they make mon! ey off of the fees, and if human beings do not pay lower back - wager what? the government bails them out! Who will pay for that? YOU DO!! whether they don't tax you for it, they only print greater money, and you nonetheless pay, through drop of the cost of the greenback. they say inflation is low? have not got faith IT - their length is designed to hide inflation. have faith your eyes, examine costs of food, gas, existence's needs! you're procuring this bailout.) That pronounced: look at the guy's character unquestionably. do not use a stupid synthetic length like FICO. probably, it rather is probably that a individual with low credit has a character project. Or ill parents whose healthcare they had to pay for. Or who knows of? There are greater suitable basic the thank you to degree a individual's properly worth. in spite of the fact that: For the strictly mercenary between you (and that i recognize you're accessible. .. ) character would properly be beside the point if a! individual has a bad FICO score. while you're a textile female, and if! textile issues are significant to you - then all the character contained in the international won't make up for residing with a damaging individual who won't be in a position to get credit. come across a guy with a stable FICO, get him to purchase you furs and rings and holidays, then while he maxes his enjoying cards out, kick him to the cut down! (then the subsequent female would be smart adequate to reject him while she sees how low his FICO score went!)...Show more

Voncile Slaubaugh: When I turned 18 I got my first credit card at Target. My limit was only $300 but that was a start!Try getting a card at a local department store. They will start you out small but you can work your way up as long as you pay your bills.Don't share with your boyfriend. If you do and he screws up and doesn't pay his bill than it will affect you.

Eliseo Luma: yes and make sure u pay on time.. or try to go to orchard bank, they can help everybody.,.

Aldo Decurtis: Yes as long! as he pays his bills timely it can help you build credit. If he doesnt pay his bills you are the hook just like him. So it could work either way.

Antonette Shappy: It will help you. Be careful though credit cards have gotten me into lots of trouble.

Long Woltjer: Get a credit card but don't apply for them because that hurts your credit. Most people get preapproved offers in the mail that they can accept. Gas cards are good credit cards to have because they always have low limits and will help your credit so try to do that. Once you get a credit card PAY IT OFF EVERY MONTH. If you don't have the money to pay it off that month don't use the card.

Esteban Lyson: I would only put your name on your BF's card if he has good credit, and if he doesn't spend much. My sister got a rough start because she got a card with my parents, they spend a lot on their card every month, even though my sister hardly ever used her card it showed up that she was a big spender and! she had a tough time getting credit for a while after that.There are a! few options for people who simply have no credit. there are credit cards out there: look for student cards if you are in school, or go to a bank where you have an account and ask about entry credit cards. Several places offer secure credit cards where you pre-pay $500 into a savings account (the money is then locked up so you can't withdraw it) and then you get a card with a $500 limit, once you close the card or upgrade to a better card you will get your intitial deposit back but they keep while your card is open as a security against the debt.Other options for your first credit are to buy something at a store, it doesn't have to be a big thing. You can usually get a store credit card if you spend a few hundred dollars somewhere,No matter how you get your first card, be sure to use it responsibly and pay your bills on time. Its always best to pay the bill in full rather than carrying a balance because the interest charges add up fast on credit cards. After 6 months or so ! of being responsible you will start to get more offers and you can select better credit cards and close your old cards.....Show more

Ellis Cellar: Do not get a credit card they are trouble. Most prople that are in debt are because of credit cards.

Dulcie Edis: go to YOUR bank and ask to take out a small personal loan for something, and have a few bucks to put down on it.you do not really have to buy anything, but make believe you are and you can even put the money in another bank account and make each and every payment to your bank before they are due, then after this is all paid off, or even toward the end of this personal loan go ask you bank for a credit card. this is how I did it...and it works great.Good lucksmile...Show more