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Build Rebuild Credit

I had a co-signer on my college and car loans. How can I build my credit if no one will give me a credit card?

Question: I am interested in getting a credit card but have essentially no credit history because I had a co-signer on my college and car loans. How can I build my credit if no one will give me a credit card? Answer: I'll get to your answer in a second, but first, I'm skeptical that no [...]

My credit record isn't the greatest due to financial problems and significant medical bills. What's the best way to rebuild my credit rating?

Question: My credit record isn't the greatest due to financial problems that I've had in the past. I've also racked up a significant amount of medical bills due to medical problems that I've had in the last 3-4 years. What would be the best way to rebuild my credit rating, and secondly will unpaid medical [...]

I'm trying to rebuild my credit. Any advice on how to get it done?

Question: I'm trying to rebuild my credit. Any advice on how to get it done? Answer: It's tough to hear reports that the recession's over when so many Americans still struggle to make ends meet. If your credit report took a beating along with the rest of the economy, here are three strategies that can help [...]

Will co-signing on a loan help my credit score?

Question: If you have no credit, and you co-sign with a parent on a personal loan from a bank, and you pay on time for six months, how much will that help your credit score? Answer: It helps, but because of the complicated systems that the credit bureaus use to create their formulas, it's impossible to [...]

I need to rebuild my credit, but I can't afford to incur start up fees or tie up funds for a secured card. Are there other options?

Question: As a result of a bad marriage and divorce proceedings, my credit is horrible. I need to rebuild my credit, but I can't afford to incur start up fees or tie up funds for a secured card. Are there other options? Answer: No matter how you got into your situation, few financial tasks are more [...]

Do I qualify for a credit card offer?

Answer: Although this is a broad question, I think I can give you a couple of guidelines to help you decide if you can qualify for a card offer. The CARD Act of 2009 requires that you need to be at least twenty-one years of age to qualify for a card unless you can prove that [...]

How do you get approved for a credit card?

Question: How do you get approved for a credit card? Answer: The primary method of getting approved for a credit card or other type of credit is to make sure your credit report and credit score are as good as they can be and then applying for the credit. Before applying for credit or a credit card, [...]

I was told from my lender to obtain a credit card to establish credit; my score right now is low so is there a good card that I could most likely qualify for?

Question: I was told from my lender to obtain a credit card to establish credit; my score right now is low so is there a good card that I could most likely qualify for? I would really rarely use it if that makes a difference. Answer: I would suggest going to CardRatings.com. You can do a [...]

How long does it take to establish a good credit score?

Question: How long does it take to establish a good credit score? Answer: Your question is rather loaded as there are so many variables associated with the answer. To start off with, you need to define what a good credit score is. Understand that any negative comment will remain on your credit report for usually 7.5 [...]

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