I have been approved for two credit cards with two different limits and interest rates. One offers cash back rewards. I am trying to build my credit. Should I just use the card with the better terms, or should I use both?
Why is it important to establish credit while you’re young? If I don’t establish any credit will it affect my future and why?
I moved to the U.S. in January 2012 from Canada. I obtained a Social Security number and got a secured credit card, and I was lucky enough to get a car loan. I have been paying both accounts on time every time. This all occurred in February and March and still I have no credit report. When can I expect to have a credit report? I tried today, and Experian is still not showing any information for me.
I am trying to get a loan and am being denied because your company won’t list a score on me. Why?
How do I submit payment history for an account not listed on my credit report, therefore, adding a new account?
What should I do if I cannot be found in your system? I am trying to obtain a credit report since I have just graduated college and would like to start building credit.
I have no credit score and am unable to get credit for a car loan. How do I get a credit score? I have my own apartment and am paying all utilities. Will that help? If so how long does it take, or where should I start?
My husband and I recently purchased a used car. He makes an annual income of $63,000 and I am a full-time, unemployed student. Because he had zero credit and I had student loans on creating a small credit score, we were only able to sign jointly for the car. He was told being the co-signer would be a great way to start earning credit. He’s tried to get a credit card but continues to be denied for lack of credit. We’ve had the car now for four months and all payments have been on-time. We just ran his credit looking at refinancing the car to a lower interest rate and the account is there, but he still does not have a credit score. Our bank suggested contacting you to see how long it takes before he will begin earning a credit score.
How can you improve your credit score if you don’t have any credit cards?
I recently moved here from British Columbia, Canada, and when I apply for a credit card here you deny it because you say my credit information is not available. How may I make my Canadian credit record available to you so I may start a credit history here with an American credit card?