Zero Credit Score Givers in your 20's

[Creditaddict]

I feel like this list changes of who with nothing on credit profiles are able to get the credit that isn't subprime.

Helping a friend and yes he has Cap1 QS One but before we go that route who is a little more generous to no credit people as of last 60 days?

[Discover2016]

My cousin was just approved this week for a Discover card with absolutely no credit, it was for only $500 though. Discover is known to do this, they did it for me 3 years ago.

[Anonymous]

A secured card with a bank that is known to graduate does not hurt. There is also more than three credit bureaus that just aren't discussed here. if your friend has had checking accounts, cell phones, or high interest stereo shop there might be some lingering history somewhere. That is why sometimes some people get approved and some don't when all things seem equal.

I was in my early thirties, not in school, and I signed up for a Capital One journey and discover student credit card and got those with multiple lates, recent repo and charge offs. My credit was terrible. Terrible credit is worse than no credit.

Since he already has Capital One I was just stay the course with what he has and try for B of A and hopefully get that 99. 500 offering if denied one of their regular cards

[Creditaddict]

Sorry I meant he has an offer for QS1 with $39/AF.

I realized I can probably help him into Navy so going to work that route first before a basic cap1.

But discover might be good option to test waters too... I'll keep you posted.

[wasCB14]

If I had to start from scratch, a secured Discover would be my first step.

If he has a Chase checking or savings account, Freedom is a plausible approval.

[pizza1]

CA,,,your friend (just clarifying), has a ZERO credit score currently, because he doesnt have credit or loans right??

Discover loooves super thin files or no files lol...

Id try for Discover 1st, and see what they shoot back. Even if it a $500 unsecured CL..thats fine. If not approved, then Id go the Cap1 route...

[Themanwhocan]

They could start with an Alliant share secured loan. Then after 6 months they would have a FICO score. Or do that plus a secured credit card.

[Creditaddict]

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@pizza1 wrote:
CA,,,your friend (just clarifying), has a ZERO credit score currently, because he doesnt have credit or loans right??

Discover loooves super thin files or no files lol...

Id try for Discover 1st, and see what they shoot back. Even if it a $500 unsecured CL..thats fine. If not approved, then Id go the Cap1 route...

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I tried to buy Experian file and he has ZERO and I tried to have him sign up for CreditKarma and they could not locate a file.

I'm pretty sure I got him into Navy, so I'm waiting to do that first with a credit card and then have him hit up Discover, would like to bypass the $39/af cap1 and go back once he has another credit card reporting and get a no af card.

[pizza1]

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@Creditaddict wrote:

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@pizza1 wrote:
CA,,,your friend (just clarifying), has a ZERO credit score currently, because he doesnt have credit or loans right??

Discover loooves super thin files or no files lol...

Id try for Discover 1st, and see what they shoot back. Even if it a $500 unsecured CL..thats fine. If not approved, then Id go the Cap1 route...

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I tried to buy Experian file and he has ZERO and I tried to have him sign up for CreditKarma and they could not locate a file.

I'm pretty sure I got him into Navy, so I'm waiting to do that first with a credit card and then have him hit up Discover, would like to bypass the $39/af cap1 and go back once he has another credit card reporting and get a no af card.

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Makes sense!! I hope he can get in, that would be awesome! 

[Anonymous]

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@wasCB14 wrote:

If I had to start from scratch, a secured Discover would be my first step.

If he has a Chase checking or savings account, Freedom is a plausible approval.

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I was denied Chase Amazon (old version). Lending has told me that they don't consider a banking relationship because it's "discriminatory".