Valued Contributor
Posts: 1,253
Registered: ‎03-22-2012
Re: Need help building credit, the right way! Please help!

Welcome to the forums!

 

First off, a couple of questions.

 

What are your scores? Have you pulled your reports from annualcreditreport.com?
 Do you have any baddies on your reports?

 

A few suggestions:

 

You need to have 3 credit cards to maximize your scores. I would suggest that you apply for a credit card with your credit union and a GE credit card from a place you shop at, perhaps a Walmart card if you shop there. For my suggestion of your third card I would like to know what your scores are.

 

And yes, you do have credit. Your car loan and your personal loan count as credit. You just don't have any credit cards yet.



Starting Score: EQ 658 6/18/12
Current Score: EQ 705 6/21/15 - EX 783 6/21/15 - TU 707 6/21/15
Goal Score: EQ 720+
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