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-   -   Why is it soo hard to get credit??? (https://www.yorkietalk.com/forums/off-topic-discussions/98747-why-soo-hard-get-credit.html)

Yorkieluv 10-19-2007 08:39 AM
Quote:
Originally Posted by Superstarkba (Post 1443964)
Well I have that with Joshs. It would do the same thing. I am an "authorized user" on Joshs, which would be the same thing that I would be on my moms. And I found out that doesn't help your credit a lot. Its on there, but since im not the sole user, and josh is its only helping his credit.
Being an "authorized" user won't help at all, he has to add you as a "joint" user. If he puts you on it as a "joint" user, it will report on your credit as well. Just make sure he pays his bills.

Superstarkba 10-19-2007 08:43 AM
Its on my credit report his card. And if he doesn't pay I am responsible for it. So is there a difference? For me to get on it I had to give them my ss number.

Yorkieluv 10-19-2007 11:40 AM
My other recommendation is to get a credit monitoring service like with www.truecredit.com which is done by TransUnion.
You can get a 3-in-1 report every single month for $14.95 per month. With a credit monitoring service like this that you pay for monthly through direct debit from your bank account, it does not put a "hit" on your credit at all like someone else pulling your credit.
You can keep track of your credit scores and anything that comes on your credit.
You wouldn't believe the things that go on there. Twice, I've had to have things removed that weren't mine.
Once, there was a $15,000 car loan on there, and I have never had a car loan!!
Another time, they had some insurance thing on there from a company that I've never had.
Once I got those two things removed, my credit score shot up!!

Superstarkba 10-19-2007 03:13 PM
Josh called and they changed me to joint user, well we are waiting for papers to sign for me to do that. So he said that will help my credit! Thanks for telling me that.

Yorkieluv 10-19-2007 03:27 PM
your welcome ;)

Superstarkba 10-19-2007 03:29 PM
:). Hopfeully this will help.

cheryl000 10-19-2007 06:39 PM
Quote:
Originally Posted by Yorkieluv (Post 1446512)
My other recommendation is to get a credit monitoring service like with www.truecredit.com which is done by TransUnion.
You can get a 3-in-1 report every single month for $14.95 per month. With a credit monitoring service like this that you pay for monthly through direct debit from your bank account, it does not put a "hit" on your credit at all like someone else pulling your credit.
You can keep track of your credit scores and anything that comes on your credit.
You wouldn't believe the things that go on there. Twice, I've had to have things removed that weren't mine.
Once, there was a $15,000 car loan on there, and I have never had a car loan!!
Another time, they had some insurance thing on there from a company that I've never had.
Once I got those two things removed, my credit score shot up!!
I agree, it's always good to check your report at LEAST once a year. Identity theft can really mess up your credit.
Also...
Everyone gets one free credit report disclosure every year thanks to the Fair Credit Reporting Act. https://www.annualcreditreport.com/cra/index.jsp
It costs extra to ask for your score though.

Superstarkba 10-20-2007 04:33 AM
i ran my experian the other day, everything was fine.

So the accountant at my work reccommended running them every 4 months between the 3 credit bureaus

Yorkieluv 10-20-2007 07:13 AM
It's better if you pull your credit yourself through one of those monthly credit monitoring services so that you don't get a hit on your credit. You can update it every 24 hours and see if anything new has come on and if your credit score has changed. Don't let a creditor pull your credit because it will show up as an inquiry unless you're trying to get a credit card of course or something like that.

crystalsmom 10-20-2007 08:27 AM
You have received lots of good advise. Cherry1000 mentioned a used car to just get you from point A to point B and pay that one off on time and early if you can and it will put you as a fairly good credit risk but only if you have a good job and have been there for a year or more. Your government job if full time could possibly do this for you in a year. Put yourself in the place of the person lending money, they want to make sure you are in a good stable job.

Good Luck but take little steps first.

crystalsmom 10-20-2007 11:56 AM
forget this

crystalsmom 10-20-2007 12:00 PM
Quote:
Originally Posted by oxstacxo (Post 1447809)
I know somebody that fixes credit if you would like their contact... and I mean FIXES credit! He can get you an 800 beacon score! TOTALLY LEGAL!
2 posts and you come on with this. Don't go near this.

Superstarkba 10-20-2007 12:54 PM
I dont; want anyone to "fix" my credit, nothings wrong with it. I am young and don't have any thats my problem.

Superstarkba 10-20-2007 12:55 PM
Quote:
Originally Posted by crystalsmom (Post 1448085)
You have received lots of good advise. Cherry1000 mentioned a used car to just get you from point A to point B and pay that one off on time and early if you can and it will put you as a fairly good credit risk but only if you have a good job and have been there for a year or more. Your government job if full time could possibly do this for you in a year. Put yourself in the place of the person lending money, they want to make sure you are in a good stable job.

Good Luck but take little steps first.

Thats why I am hoping to find out if I get this job this coming up week, bc I don't want to start searching for a car until next October, so that will put me around a year at my job that has an annual salary.

Plus I need time to save up atleast half for a down payment :thumbup:

celstu1 10-20-2007 01:03 PM
Quote:
Originally Posted by Superstarkba (Post 1445445)
I don't want to get a new car, just bc of how much the value drops.I am looking to not go over $30,000. But the car I want if I can find it used is between $24-26,000. I really don't want to finance over 15,000 bc I need to pay it off in atleast 4 yrs. But that all depends on an interest rate i get
Is that the mazda cx-7? I know we talked about it before awhile back. Here is my 2 cents IF that is the car you want! They are about $34K (book price) FULLY LOADED, you can forgo SOME of the luxuries and get it brand new for about $26K. Now, they came out in 2007, so never buy a first year car, even used. So in 2008 that is the second year, and in 2009, you should be able to buy a used or leftover 2008 for about $20 - $22K.

I plan to put about $15K down on that exact vehicle myself, but not until 2009 and I will buy a 2008 either leftover (brand new but didn't sell in 2008 so they drop the price drastically) or a used one with low mileage!

good luck girl! :)


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