Credit ?

I am only sixteen, but my dad says that if I want to buy a car-- and eventually an apartment or a house I need to establish a line of credit. How do I do this? Whats a good way to get started?|||my dad said the same thing when I was 17, and he helped me (cosigned) to get a credit card to "establish credit". Now I am 21 and after 4 years of charging crap I'm F*cked. your dad is right you will need to build credit, but I would suggest waiting a little while. Unless you have one of those parents who is going to pay on your card for you just don't bother with it yet. I know you say you will be smarter then me, but I thought the same thing, then your car breaks down and what do you do? or something else comes up where you feel you really need the money, and that's how it all starts. you don't need good credit to rent an apartment. You do if you want to buy a house, you can usually buy a car without credit if you can afford it, but if you don't have any credit they will rape you with interest fees. just wait a couple years, unless you have rich parents.|||http://www.0509.net

Report Abuse

|||Hello. You do not to establish credit or get good credit and a good site to try to make or repair credit is http://www.247creditrepair.com check it out and let me know what you think. It is very cheap. It helped out many of my friends and family members

Report Abuse

|||1. authorize user on your mom or dad's credit card a good one one were they have never been late with a good balance not maxed out


2. go to wells fargo or bank of america and apply for a secure credit card.


Please be responsible with your credit otherwise you will regret it later.

Report Abuse

|||Hey guys if you need any financial help, go to www.creditfunk.com.

Report Abuse

|||credit is debt apartment and buying a home is a scam and new cars say you got a credit card say the max is $ 15,000 dollars and you max out good credit is cash only .College kids $200,000 in debt

Report Abuse

|||ask the government 14 trillion in debt

Report Abuse

|||you can get a credit line opened up online at http://www.howtoestablishcredi鈥?/a> or get an authorized user account from mom, dad, or any family member

Report Abuse

|||You can also check out http://creditpeaceuniversity.com for more information about how to manage and establish your credit

Report Abuse

|||apply for any credit and if you can get it keep it paid on time without late payments and your credit will always improve to where you can get more credit