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Originally Posted by heatherjean8737  I know how you feel!!! I am finially getting approved for things but it took a while. Try to go to stores and get their credit cards and just pay them off at the end of every month. This helps out a lot on your credit score. Good Luck in your car purchase! |
this is what I did. I went to Victoria's Secret and Kohl's and got credit with them. I am sure to use it every month and make sure I pay on time all the time. I am now able to buy almost anything I want...within reason LOL
I was so excited when I went to my credit union and was able to get a personal loan with NO collateral and they didn't even ask what it was for. On my app, I just put that I needed to pay some things off. It was very nice
it takes time...but the key is to keep a recurring line of credit. So get a couple of low limit cards. dont' max them out, but keep a small balance on them all the time. don't get it and then pay it off right away. that won't do anythign for you. say you get a statement in the mail and it says "min. payment due $XX.XX well, pay a little more than the min. payment due but don't pay it all off right away. this way you keep an open, active line of credit.
this was the advice my investor gave me and it has paid off tremendously