Finding out how to get credit can be frustrating...here is your answer

Remember trying to get your first job? Going to the interview only to not get the job because you don't have any work experience? How are you supposed to get experience if nobody will give you a job?  

Credit can feel the same way.  Many creditors want you to have a credit history before they will consider extending you credit...where do you start? 

Some of them will give you secured credit (where you make a deposit and they give you a matching line of credit) or unsecured credit (they offer a credit limit with no deposit necessary). 

An example of secured credit is you are offered a $200 limit and you make a $200 deposit as security.  After using the credit and paying it back responsibly may creditors will up your limit without requiring additional deposits, some will send you your deposit back and let you keep the current limit, and some will start a new line of unsecured credit for you.

Unsecured credit usually starts small.  If a creditor gives you a $300 limit, for example, and after a few months they may raise that limit, let's say to $600, and this can continue going for years.

The name of the game is to get several lines of credit, secured or unsecured, and use them.  In addition to using them you need to make sure to pay them EVERY MONTH.  By doing this you will have a credit score in a few months.

Below are some links to creditors who have guaranteed or near guaranteed approval for those without credit.  

https://app.openskycc.com/OpenSky/Apply?utm_source=GoogleAds&NID=1864

https://www.discover.com/products/secured-card-af.html?sc=GEGX&cmpgnid=ls-dca-ir-secured-GEGX-399&irgwc=1&gclid=_j0bvqtshe0kaxh9tetfwtohbif220emkkxxeptmc00&sid=02657661&pid=1390097&aid=568217&source=Affiliates&sku=109&iq_id=_j0bvqtshe0kaxh9tetfwtohbif220emkkxxeptmc00

https://www.capitalone.com/credit-cards/preapprove/lp/aff/m/001/?irgwc=1&external_id=IRAFF_ZZ9d92fcbfbf374f00bd2dddd57bd2a0cb_USCIR_K102401_A344893L_C8bf14e30N09d011f086d0a717e8352fe_S38588_P&pscid=&transid=&oC=eZan6vxLBE&applicationprefillid=

 

 

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