Building credit

[danica 0]

Join a credit union and apply for a small loan. be certain to pay the loan on time. Try to get a credt card through your credit union.

[Mariana2012 89]

Thanks Mariana, did you give them any proof of your outside income? or do they ask you to show your bank acc?because yes i have an apartment and rent, that's why i am gonna worry they will reject if i am apply

i think i will try the capital one too.

Nope. They just took my word for it.

[KamLondon 13]

When I first moved here in September, I had my wife add me to her longest credit card as an authorized user. I started work in January, and just before I started looking for a secured credit card with my bank (have to put down a deposit) I received a pre-screened DiscoverIt card in the post. I figured if they had already pre-screened me, I would just apply for it. I was approved with a $750 limit after they called to confirm a few details. I still went ahead and opened up my secured credit card with my bank so that I had another line of credit. While on a roll with lines of credit, I applied for a Kohls stored card while I was in there and was approved for a $300 limit on that too. I thought it would be much more difficult to get my credit building than this. Oh, on my first application for the DiscoverIt card, they had my credit score rated as a 693, which isn't bad after only a few months in the country (so i think being on my wife's card as an authorized user helped).

Now, I keep getting pre-screened applications from USAA and Citi bank. I will wait until the end of the year and then upgrade my secured card to a non-secure line of credit and then apply for another better card that I intend to keep long term.

Hopefully this plan will build my credit without the need for a loan of any sort and allow me to buy a house at the end of next year.

[Marilyn. 340]

when I apply for a credit card I put my husband's income as I don't have a job.

on the credit card application it usually asks for household income not personal income..

[Mr&Mrs.Boo 5]

Yes it is super high, but I plan to pay it in full every month so it shouldn't matter. What is the name of the city bank card she got? Was your wife employed when she applied?

I will try to get a second card in a couple of months and I will look into Citi Bank as well.

Try discover ,they are really nice ,I was working i think for 3 months when i got mine ,They just called me and ask how much i was making and them how much my husband makes and how much we pay rent and approved me.

[Sayha or bust. 71]

Just pulled my wife's Trans Union and after about a year of purposely trying to build her credit and raise her score, I was happy to see a score of 730. I was amazed how quick her score went up and the ease of getting Credit cards. Always pay your balances off and never miss a payment on any of your bills and you will find success also.

[Mariana2012 89]

How soon can you check your credit score after you get a greencard/ SSN? Can you do that without charge?

[Sayha or bust. 71]

How soon can you check your credit score after you get a greencard/ SSN? Can you do that without charge?

Read the earlier post and try to do things they just over next several months. Well over 6 months after putting my wife on our bank issued credit Card. Freecreditreport.com will give you one free once a year.

[Mariana2012 89]

Read the earlier post and try to do things they just over next several months. Well over 6 months after putting my wife on our bank issued credit Card. Freecreditreport.com will give you one free once a year.

I went on freedcreditreport.com and I got " ??? " instead of a credit score number. I was under the impression you need pay to see your score? Or maybe I don't have a score yet.. What does " several months " mean? I had a greencard for 3 months + . Will I have a score after 6 ? ( I have one credit card and I am an authorized user on two of my husbands' credit cards) Edited June 28, 2013 by Mariana2012

[Póg mo 1,749]

I went on freedcreditreport.com and I got " ??? " instead of a credit score number. I was under the impression you need pay to see your score? Or maybe I don't have a score yet.. What does " several months " mean? I had a greencard for 3 months + . Will I have a score after 6 ? ( I have one credit card and I am an authorized user on two of my husbands' credit cards)

Have you checked your score on creditkarma.com yet? Don't bother with pulling your annual credit report until you have a credit history and then only if you think something is negatively effecting your credit.

[Mariana2012 89]

Have you checked your score on creditkarma.com yet? Don't bother with pulling your annual credit report until you have a credit history and then only if you think something is negatively effecting your credit.

I just did, thanks, and it shows me 716. Would the site be accurate? Can that really be my score?

[Póg mo 1,749]

I just did, thanks, and it shows me 716. Would the site be accurate? Can that really be my score?

The site seems to be fairly accurate from what I've seen, but then again 716 does seem a little high for someone with no credit history. Has your other half added you to his of one of his credit cards?

[Sayha or bust. 71]

I just did, thanks, and it shows me 716. Would the site be accurate? Can that really be my score?

You probably actually a little higher, Credit karma usually runs about 30 points lower than my actual. My wife's creduit score wouldnt show up on that site or even the actual credit bureaus until about 4 months after I got her a few credit cards and had her put on my car loan.

[Mariana2012 89]

The site seems to be fairly accurate from what I've seen, but then again 716 does seem a little high for someone with no credit history. Has your other half added you to his of one of his credit cards?

Yes, my husband's score is close to 800 and he added me as an authorized user to two of his cards about 5 months ago and I have a Capital One card that I pay in full every month. Edited June 28, 2013 by Mariana2012

[Mariana2012 89]

I looked for reviews for credit score sites and this is what I found :

About credit karma.com

"Credit Karma pulls your TransRisk, Auto Insurance score and Vantage score from TransUnion"

About quizzle.com

and Quizzle pulls your Experian Credit report and score.

They say ,Credit Karma is as accurate as Quizzle, and all the other scoring sites. Scores will vary from each site because they use different scoring models.

For me there was a 50 points difference between the two sites, so I guess an average of the two would give a result closer to one's true fico score?

Also these are fako not fico scores

Edited June 28, 2013 by Mariana2012