Application sprees with no file

[Anonymous]

Having never had credit before, I don't have a file. Does this mean that I could apply to many cards all at once, and just see which ones I'm approved for? Obviously this is usually bad for your credit score, but I don't have a file yet. Without really being able to predict what I'll get approved for, this would certainly be the most convenient method of getting started. Do inquiries still get reported?

[Creditaddict]

no I would try the ones that others have posted getting with no files and hopefully pick up at least 1 and then garden for 6 months and then when you generate credit scores then do app spree.

some people have been approved and some denied for the following cards with no history:

American Express Blue Cash or Blue Everyday

Discover it

Citibank

Navy Federal

[Closingracer99]

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@Anonymous wrote:
Having never had credit before, I don't have a file. Does this mean that I could apply to many cards all at once, and just see which ones I'm approved for? Obviously this is usually bad for your credit score, but I don't have a file yet. Without really being able to predict what I'll get approved for, this would certainly be the most convenient method of getting started. Do inquiries still get reported?

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Yes they get reported even if you never had a Loan, Credit card or anything else positive or negative on your reports. I have 24-26 inq's on my experian and mostly is because of me apping for cards between 1-2 years ago. 

[newhis]

I started this year with no file and not knowing what I was doing. I applied and got denied for Capital One and they HP all 3, I regret not finding this forum before that.

Opened a savings account with BoA and got a secured card for $1,000. Called Discover IT and after some documents got approved with $1,000 but no 0% APR promotion period.

Now I'm waiting until Discover tell me my score (don't know if that will be possible because I don't have SSN only ITIN) in 2 more months, to apply for Amex and Chase.