Just recently, I've applied for loans. Unsecured for personal reasons (ei: catch up on bills and pay rent in full for remainder of lease, because I'm currently on short term disability, getting only a set amount from the state) and I was denied. Come to find out, I don't have credit. So, long story short everywhere I went, basically laughed. I just opened a credit card with a 200$ line, and making small purchases (like groceries,, gas) and pay that down...is there anything else I can do to establish credit? I wouldn't mind a higher interest, because let's face it, I'm a "risk", but I refuse to take out payday loans, and I recently went to a lending broker to help find me a loan. There fee for searching was ridiculous, and I don't think they will find me anything, to be honest. They say that they fight for their clients and have worked with their lenders for years. I haven't heard anything back from them yet. All I want to do is establish credit, pay a monthly balance and get back on my feet.
