Typically how should one start out building credit i mean i have the 3 Credit cards below they are all secured had them open since January below are my current scores but yet its still hard for me to get approved for a unsecured loan like even a gas card keeps denying me and i have no idea why ive been reading here and its getting depressing ive read far worst situations than mine and they even get approved i have 2 remaining baddies never really had many got rid of 2 other which was Sprint and a Medical bill and 1 is due to fall off due to a PFD which is Verizon so why am i having such a hard time getting started even tried recon with the places i did try .... Sunoco gas card, Walmart both declined just did a BP gas card with Chase waiting to hear back from that which i think its gonna be decline im at a lost right now....
Ok your heading down the wrong path. Stop apping first and foremost. You should focus on gardening your 3 secured cards for a year. Also id be In the rebuilding forum trying to resolve your remaining baddies.
Good luck!!
Good luck!!
ah i see so i am going about this wrong its just that some of the stories i read they got there score to increase faster by getting more cards so i thought i could take that route ...
oh man i hate myself now ... from what i read it just seemed credit was like black jack you never know until you take a hit if your gonna win ...
also FICO is evil why tell a person that INQs are less than 10% if your going to ding them for it... 10% is not a very lot to lose if you think about it thats what ultimately made start apping..
@myjourney wrote:you have a thin file build it up over time and you will be fine
cheers... thanks mate i just needed a little advice i posted in Rebuilding but no1 really replied didnt get much help there because i would have kept going at the same rate
Hey I am not an expert like some others and hopefully they will chime in but whats the utilization on the cards you have?