How can I get a good credit if no one will give me credit?

I have tried applying for credit cards but they won't give me credit for lack of credit. How can I go about getting a good credit score? (Besides loan companies. Already trying that.)|||You need to establish credit before attempting to get unsecured credit. Make sure the bank reports to the credit bureaus, otherwise it will do no good.





Go to the bank you do business with, ask them if they have a secured credit card, if they do open a new account with $300 - $500 tell them you want a secured credit card against that account. Use the card for small purchases like gas or food and pay the card off entirely each month on time.





Also you can take your savings account and save until you have $1,000. Tell your banker you want to take a installment loan out against the savings account. Take the money you receive and put it in your checking account to repay the loan. Pay it off in 12 months. Lenders like to see a mixture of credit, revolving, installments, personal loans.





After a few months you can try for an unsecured card again. Retail store cards and gas cards are normally easier to get.





It takes 24 months of consistent on time payments to establish good credit history.|||First of all, building credit takes time, so have patience and it will pay off.





The easiest way to get a credit card, having no credit, wanting to build credit score -





Skip the major credit card companies, where you need to apply via the phone, email applications and mail offers.





Call around to area banks and credit unions that have "in house" credit card programs. Open a checking account there, use it regularly (even if written checks are small), and if possible have your pay check (or any source of income) on direct deposit. Use it for a least a few months, keeping it in good standing.





Then apply for their credit card program (usually a Visa) requesting a low credit limit ($100-$300, depending on your income). You are more likely to be approved -





1) because YOU are asking for a low limit, showing you want to stay within your income limit 2) because you can talk face to face with the loan officer regarding your intentions (to build a credit record).





This way, they are sitting down with the applicant, reviewing your account history and making a personal decision to accept you.





Going through a major credit card company, your acceptance is determined by preset computer guidelines which can be very strict.





If approved, use it regularly but to the extent you can pay it in full monthly. After appox. 6 months, apply for the JC Penney card, again asking for a low credit limit.





After time, you can contact both and request your limit to be raised. If you keep all accounts in good standing and your income increases, you should have no problem.





Hope this helps, good luck.|||get a secured line of credit.


it's where you give the credit company say $200 to give you a $200 line of credit. Then remember that your fico score is not determined by how much your credit limit is, it is the ratio of money owed versus how much credit money you haven't used. If you spend less then five dollars every month on your credit card (never late payments) then you will actually build a better credit score then someone who has $10,000 limit but owes $9,999. In a couple of years your number goes way up high and when you want to buy a house you can get a good interest rate on a mortgage|||you need to start small.





maybe borrow a few hundred from the bank,


pay the money back early.do not miss any repayments.





then try for another small loan,etc etc.





eventually you will obtain an excellent credit rating|||Why are people so concerned with credit? Just save money each month a pay for your things in cash. It will take you 3 years to save up enough to buy a new quality car for cash. If you bring a 20% down payment to the table, you will be able to get a house. What are you worried about?|||I started out getting a "secured" credit card, and that helped my credit. But I also agree with Admodum, but you do need good credit for just about everything these days: Renting an apartment, Jobs, etc...|||MAKE SURE THERES NOTHING WRONG WITH UR CREDIT SCORE RIGHT NOW AND THEN GO TO A WELL KNOWN COMPANY THAT PRETTY MUCH JUST GIVES CREDIT CARDS AWAY LIKE DISCOVER CARDS