I am a 19 year old college student trying to establish credit early, and it would be helpful throughout college to have a low limit credit card just in case. Also, I am trying to get a car loan, and I know I need to use credit to gain credit. I applied for a credit card through my bank and was declined. I also applied for a student credit card and was declined again. How am I supposed to establish a credit history if I can’t get approved for anything? My parents are just starting to rebuild their credit themselves. Is there any way that I can establish credit without having to have somebody cosign for me?
What does “Key Derogatory” mean?
How does an inmate go about getting a credit report? Where can he get the proper forms to fill out without access to the internet?
Can a charged off account on your credit report that was opened in 1999 and closed in 2010 be sold to another collection agency and then be given to an attorney to get payment from me?
Can a collection agency request your credit history without your consent? I have one on my report under “inquires shared with others” in which I did not consent.
How long does it take after student loans are out of deferment for them to show up on a credit report?
I am currently paying off a state tax lien. After the tax lien has been paid in full, how long will it take for my credit to be restored to good standing?
I want to help my son, a recent graduate, build good credit. He wants to buy a used motorcycle. I was willing to guarantee the personal loan, but the bank wants me to be a joint borrower. If I agree, it is not clear to me whether my son’s credit rating will improve as much as if I were just the guarantor. Which approach would produce the greatest benefit? Would being a joint borrower help my son’s credit score at all?
I’m trying to request a dispute on my credit report, but it asks me for a credit report number. I have tried to request my annual free report but I can’t since I don’t have a Social Security number. I do have an ITIN number but the system won’t accept it. What are my options?
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