What is the best way for me to build my credit without getting credit cards?
I have had one credit so far but my payments were not kept on this one card. So i have made my decision and that is to not apply for another one. What are some ways for me to build my credit without credit cards. I have my own apartment and my cell phone wit tmobile.
where are some places that i can apply for a car loan?
Loans
None of that will help unless you get a loan that reports to the credit agencies.
maybe if you get a car loan and pay it all the time every time
Get an auto loan and pay on time and that will build your credit. You don’t have to get a brand new car, just a loan that is paid on time.
Paying your cell phone bill will help, as well paying all of your other utilites. That is all you need. Also, it is easier to have bad credit than good credit….What i am saying is they will report you faster for the bad and it takes longer for the good to build up.
The secured credit card is indeed a great way to start rebuilding your credit history. It helps you gain financial discipline and stay within the credit limits, because of the low credit limit initially you are not tempted to charge huge expenditures on your credit card and pay for them either in cash or by some other means. Thus a secured credit card helps in more than one ways. It is for the credit card holder to take advantage of all the features offered by the secured credit card and regain control over his credit history. Apply online at: http://www.credit-card-gallery.com/PrePaid_Card.html