I hate to seem harsh, but if you are having financial troubles. Now is not the time to be trying to acquire credit and its probably in lenders best interest to not lend to you based on your current situation. I'm sorry this is not what you want to hear, but its the hard truth.
@Anonymous wrote:
little backstory i move here from Israel some years ago never need credit barrow but am lately in poor finances due on family happenings,
i go to start for apply on many different banks chase citi capatal one even premiere first bank and all are disapprovel come back with low score on letter from 390 to 465 any suggestives?
You can look into joining the State Department Federal Credit Union, SDFCU. They allow you to create a membership with an affiliation, you pay a small fee to the affiliate to become a member of that organization, and then you can join SDFCU.
Once you are a member of SDFCU, you can open a Savings account.
SDFCU also has a Secured Credit Card that has no credit check involved at all. There is no review of your credit file. What you do is, you deposit at least $250 into your SDFCU savings account, then as part of the Secured Credit Card application, you agree to use that $250 (or more, I think you can have something like $2,000) in your savings account as the security for the card. SDFCU then has you electronically sign various forms, agreeing to using the savings as security, applying for the card, etc.
This approval process should be able to complete, as long as you have some sort of US tax identification, such social security number.
Once you get the secured credit card, it works at merchants just like any other credit card, up to the security limit you have. I think you can add to your savings account, to increase the limit later, if you want to. The card reports on your credit report as a credit card, helping to build payment history.
You should also get a copy of your credit report, to see what might be causing your scores to be so low.
