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How can I re-build my credit when I have none?

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sobeone1
Regular Contributor

Re: How can I re-build my credit when I have none?

Here is what I did. No score to 740 in 6 months now with 14 open accounts, 8 major credit cars with average 5k cl. First I opened finger hut, then Credit one $500 c.l, Did the credit card trick. Opened one stop plus 500 c.l, Brylannes 500 c.l and Kingsize then walmart 4k, Discover it 2.5k c.l, Barclays4k, Lowes 6k, Pay pal extras  M.C 6800, Amazon 5.5k, Capital one Quicksilver 3k andChase Freedom 3k. Closed redit one. Once I opened fingerhut and credit one not 2 months later this all happen in 7 months. I was still getting approvals with 11 h.d's but im waiting for 3 months then i will maybe open another. Only owe 2k total and I just put all that on Chase freedom balance transfer for 16 months no interest. Thinking about opening another balance transfer in 14 months to transfer any balances i will incure in the mean time. Sorry for spelling

credit karma has my scores at T.U 637 Equifax 668 but all of my Major cards have my score between 710-730 fico AAoA 7months with 16 inquires T.U & Eq 12 inquires.

Fingerhut $1200 my first credit. Discover it 4.5k, Paypal extras 7.8k, Barclays 2.2k, Walmart 6k, Lowes 25k, Amazon 6.5k Cap1 Q.S 4k, Venture 10k, Voice 10k, Chase freedom 2k Slate 3.5k, 5th 3rd 10k, overstock2.9k, Kingsize 1k. Nasa 20k, NFCU 14k, loc 10k, BBVA 14k, Amex ED 10k, income 76k (I put them in order of receiving them)
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