Established Contributor
jamie123
Posts: 905
Registered: ‎03-22-2012
Re: International Student - What can I do to improve my credit?

I would suggest you apply for a Walmart card at the end of this month. Make sure that you have 6 months history with your Wells Fargo card before applying. Walmart might start you out with a really low limit but they are really great with automatic credit line increases. You also get a free TU FICO08 score after signing up for electronic bill pay.

 

I would also suggest that you apply for a Captal One (Journey) card after the Walmart card. You should easily be approved as long as you have that 6 month history with Wells Fargo.

 

You have a VERY thin file and the sooner you get more good credit reporting the better.

 

Once your Wells Fargo card turns 1 year old, apply for a BoA 1-2-3 Rewards card and a Chase Freedom card.

 

Good luck!



Starting Score: EQ 658 6/18/12
Current Score: EQ 697 10/26/14 - EX 687 7/21/14 - TU 682 7/21/14
Goal Score: EQ 720+
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