Building credit - denied secured CC’s

[randomguy1]

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@Anonymous wrote:

Open sky is a good secure card. I always put 25,000 for income. A lot of companies don't check income.

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I think it's against the rules to suggest lying on income and generally not a good practice.

[CreditCuriosity]

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@Anonymous wrote:

Open sky is a good secure card. I always put 25,000 for income. A lot of companies don't check income.

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If you are suggesting falsifying income, this is a no-no on many levels not only suggesting it on this forums is in violation of the TOS of the forum.  Also look at recent news events in the last few years where people have also been charged and convicted for such things and could get one in alot of trouble with the law...  

18 USC §1344:

Whoever knowingly executes, or attempts to execute, a scheme or artifice

(1) to defraud a financial institution; or

(2) to obtain any of the moneys, funds, credits, assets, securities, or other property owned by, or under the custody or control of, a financial institution, by means of false or fraudulent pretenses, representation, or promises;

shall be fined not more than $1,000,000 or imprisoned not more than 30 years, or both.

Here are some example prosecutions:

• United States v. Wall, 37 F.3d 1443 (1994)
• United States v. Molinaro, 11 F.3d 853 (1993)
• United States v. Lilly, 983 F.2d 300 (1992)

[Anonymous]

We are still waiting for the letters but I will help her look into SC for college students and the SSL info.

Thank you everyone for the information.

And no false info for sure.

[Harvey26]

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@Anonymous wrote:

We are still waiting for the letters but I will help her look into SC for college students and the SSL info.

Thank you everyone for the information.

And no false info for sure.

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 I would not agree to lie about income but I am pretty sure when I got my discover student card i put down 15K. I would check into a local small cu that maybe has a student card or can give her a low SL like 250 or 300.

[Meanmchine]

Add her as an AU to an account or two of yours. Also, try Fingerhut to get her first tradeline

Good luck

[Anonymous]

in my experience with secured cards, I would try to look into a secured loan with her bank or a credit union to establish a payment history before going for a credit card. if a credit card is necessary, i have heard decent reviews for the opensky card but i dont believe that to be a good long term card.