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what to start my son on building his credit hes 19, has liternall nothing on his credit report we just did a free anual to make sure.
he applied for a boa and was denied so not sure which to apply for now, dont want a bunch of hard pulls on his report before he start building
A common first step is to make him an authorized user on one of your credit cards, which will give him a score.
He can then apply for secured or low-limit cards that dont do a thorough manual review of his credit report.
He can pick up a few junk cards to build his own credit and score.
Google on Authorized User and to some research on its use in building credit.
I went to the credit union and opened a savings of 500. Borrowed a secured loan for 500.00. That will help him get installment going. I took the 500 from the loan and opened a secured card as well. That gave the revolving on the credit. When I did the savings and loan, i did it in my name and my sons. That way we are both getting credit reported.