nal Student - What can I do to improve my credit?
10-21-2012 11:51 AM
Nice to hear from an "international student" -- I have been in your position - several times: once in Europe, Mexico and now US.
One thing you can do is try to get a secured card from Bank of America - you just need a small deposit - maybe $300. They will hold it an an account and use it to secure a card for you. If yo have a friend, you can politely ask to be an authorized user on their account. Both will help. Avoid getting cards like First Premier Bank at all cost; they can help. Otherwise, wait for a year and apply to WellsFargo again.
Hope this helps - Oyiwaa
Starting Score: USAA-FACO(10/2012) - EX=498 / EQ = 498 / TU = 508
myFICO - Jun-2013: EX=595 / EQ = 582 / TU = 649
myFICO - Nov-2013: EX=634 / EQ = 649 / TU = 666
LenderPull - Nov-2013: EX=682 / EQ=649 /TU=687
Goal Score: 700
Take the myFICO Fitness Challenge
WALLET (Secured): Capital One: $700 --- WellsFargo: $300 --- CapitalBank: $300