@Anonymous wrote:
I have no credit history. What-so-ever. I was just granted a Cap One Platinum card. I need to build my credit, and fast. What unsecured credit cards will approve me? I have only had my Cap One card for a month and have only made one payment so far.
As states previously. There is no way to just quickly build your credit report. There are many factors when establishing a good credit file. One of which is AAoA, which this one takes years to build and it's also 15% of your score.
While you can have a good score quickly, your score is only a small portion of what lenders take into consideration when making lending decisions. I have seen people with a +700 credit score be denied credit due to insuficient credit history.
On-time payments go into this as well, which also takes time to build. It's 1 on-time payment per month per account.
Take it slowly, and be mindful of what you are doing.
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