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Creating credit

chemjr

Banned
Joined
Nov 30, 2015
Messages
208
Ok, so I have no credit, have always been able t just "get by" but at 31 yrs OLD and after dealing w an illness for over 5 yrs it's time to have a Real Life, like an adult.
So, where do I start? How do I get a credit card? How do I build credit with the little I have so I can get a loan to start one of 2 businesses I've been trying to do for years but need some capital and use of a credit card- that's right, never had a credit card.
Any sites, suggestions, etc is all welcome. And if you wanna talk smack go for it. Just blue collar Joe trying to make it and improve my situation. Doubt I'll make a bunch of money, but I'd like to try. Thx all and take care of your bodies and minds brothers n sisters. A1 out.
 
Ty, and I have checked some places, just wondering if anyone has had similar situation and how they built theirs Safely and how they obtained their first CC as I never qualify due to low income.
 
First CC

Check with your bank or credit union about getting a secured credit card.
I know from personal experience if you save up a least $500 and use it as collateral the bank will give you a card. After you establish some on history with them they will up your limit and you can even withdraw the original money that you used as collateral if you like.

Good luck
 
Creditone.com you can see to see if you prequalify without hurting your score. This card is for no credit or really bad credit people.


Sent from my iPhone using Tapatalk
 
Thanks to all for your replies, u much appreciate it. Let's keep it rolling, I'm sure there's a few younger guys out there that may like this thread.
 
When I ruined mine, I started back with a secured credit card with a few hundred on it. Used it regularly and paying it off every month. Then went to higher interest cards. Got 2. Did same thing. Then got bank credit card from my bank. Did same thing. Over 4 years went from low 500's to now Im at a 780.
 
That's almost exactly what I was thinking. A card for gas and wawa, and go from there. Thanks a lot bud.
 

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