how do i go from no credit to good credit fast?
89457
Do you have a checking account? If so, get a gas card, those are pretty easy. Put all your gas on it and - the important part - pay it off at the end of each month. In 6 months or less you can get a Target or other chain store card. Put a few things on it, pay it off every month. After a few months of that, you'll be able to get a regular visa or mastercard. Again, pay that sucker on time. After a year, you'll have great credit.
528495
Building business credit is not a quick process - it takes time, normally around 3-4 years. The first step is to set up the proper business structure and take basic steps to ensure your business appears "real" and stable to the business credit bureaus. That means getting the proper occupational licenses, and a phone number that is listed with directory assistance in the businesses' name, among other things.\n\nOther than paying a company to do it for you, here are some ways you can build a business credit fast:\n\n1. Register your phone in your business name\n2. Get a business checking account\n3. Register with DUN & BRADSTREET and get your DUNS Number\n4. Find vendors who can give you lines of credit (start with Staples or DELL)\n5. Apply for a business credit card - giving your business EIN instead of your SSN\n\nI recommend reading the article "Building Business Credit" at http://www.powerhomebiz.com/vol146/credit.htm
541487
Suggestion: Go to 'rent to own' places and ask them if they will report your timely payments to the credit bureaus for you. Most of them will be happy to say yes, if you buy something of course. Get something small and simple and make the payments on it. Try to get 90 days, same as cash and knock it out before the 90 days are up. They report your good work and you can start rebuilding your credit. The bad stuff will still stick around for 7 years, but your efforts will help you in getting loans if you need them. Good luck to you!
1052309
Try Chase. Or capital one. They both gave me credit cards when I had no credit. Then just use them and pay more than the minimum payment (or pay all of it) and it will help establish your credit. You may also think about asking your financial institution. They may have ways to help you as well.
1093413
I also have a really good credit score ( 709) and from everything i have been told and seen the best way to keep increasing your credit score is to \n\n* Pay off Credit cards asap \n*Pay more then the MIN due\n* Do not close out accounts just dont use them \n* Dont get any more credit cards then needed \n* Do not have companys inquiring on your credit report ( if you have too many inquiries it drops your score i was told)\n\nThose are some key tips i was told to keep in mind, If you have several cards with low amounts on them you might be better off to transfer them all to one card and pay extra on it every month \n\nALso if you hold a Providian Credit Card you can log on and see information pertaining to your credit report and it shows you monthly how your score is and gives you also ideas of ways to increase your score and lower debt
215461
It will take several months to a year to get your credit really improved. Be careful of using a company who says they can raise your credit score. Cause legally they cant. Only you can. And while paying them large sums of money, you can dod it yourself for free. Depends on the elbow grease your willing to give. Check it out. There really is no super fast way to do it. But the best and probably quickest way would be to go to Annualcreditreport.com and get your free 3 credit reports. Then go through them and dispute the negative items on your report that dont make valid. Even if unsure, do so anyways because it becomes the responsibility of the creditor to prove that the information is accurate. If the creditor doesnt respond within 30 days the negative item has to be removed by law. In which removing a negative credit report item raises your score. Also, finding your most recent and lowest balance debt and offering halve of what you totally owed for it. Most creditors are willing to do this if your account has been way behind for a long time. Because now they're just worried about getting any money from you at all. Same is 100% true for collection agencies whom took over your bad debt. Offer half and no more. Ask to include in writing and mailed to you that they will remove negative from your credit report in terms of full half-amount payment. That raises your score. Other would be as suggested to get a secured credit card and just use it for gas twice a month or something small. Dont use it for anything else! Thats how you get screwed up again. Make the payments on time...everytime. This will start to show up as a positive item in your credit report and by showing a low balance on you card (30% or less of high limit) will show you can be responsible with your credit and thus create a higher score and higher opinion of a future creditor...such as an auto financer. Heed this and Hope i was of some good help to you. Good luck. Shuuutnstr =o)
526286
When you have no history you will not get the best rate or terms no matter what so get that notion out of your head right now.  You will need to get a card that most likely will have an annual fee, a higher rate, and maybe a few other fees thrown in for good measure.  You have to look at this as the expense of establishing credit.  Another thing you can do is get a regular store charge and use that.  Once you have a higher rate Visa or Mastercard and the store charge be sure to use them and pay the bills on time.  Eventually you will get solicitations in the mail with better offers.  It just takes time, but it's what you have to do.\n\nI've been there and done that.  Now everything I have is low rate with no annual fee and my initial interest rates are always 0% for up to a year and a half.  It can be done.  You will just need to start off at 16% - 18% - 21%, whatever you can get and work it down from there.
1094635
#1) Pull all your reports. Not online, request actual physical copies. They usually contain more than what an online report does. This will give you a start on where you need to go with your reports. Also, keep them. Never toss them. They are proof later on if you need them to refer to if you ever get into a legal situation regarding your credit (lawsuit etc).\n\n#2) Dispute. Dispute anything that is not correct including, balance amounts, lates, etc. If you have only one or two lates, I would call your creditor and see if you can get them removed via goodwill gesture, or send a goodwill letter. You can find some great letters on some of the credit boards like creditnet.com and creditboards.com.\n\n#3.) Collections? If you have any collections on your account or anything that should not be there, send a DV (debt validation) to the creditor asking to prove the debt. If they cannot, they have to remove the debt off of your report by law.\n\n#4.) You have rights - check out http://www.ftc.gov/os/statutes/031224fcra.pdf for more info.\n\n#5.) check out some of the posts on creditnet.com and creditboards.com for assistance. \n\n#6.) If you have no credit, or want a temporary boost - have a family member or really (really, really, really) close friend add you in as an authorized user on their credit cards. Make sure the balances are not high, otherwise this could hurt you more. The higher the available credit, the more your utilization will go down on your report - therefore bumping your score.\n\n#7.) Avoid unnecessary inquiries. Hard pulls can hurt you, so avoid applying for new credit cards until after you buy your home.\n\nThis of course is a shortened version of things you can try. Research info on those links I provided you. You can increase your score spending just a short amount of time per week, sending letters to creditors etc. I increased my score over 100 points in less than 6 months. Depending on your situation, this could take shorter or longer time, but at least you have somewhere to start. Good luck!
984173
Sounds like a prepaid credit card may be the way for you to go... \n\nHere is a link to one that says "No credit or bad credit OK, NO credit check required, No employment required"\n\nhttp://www.fastcreditcardoffer.com/credit-card-search/credit-rating/bad-credit-no-credit/default.aspx\n\nGood luck.\n\n.
977076
3 Ways to improve your credit score..............\n\n\nPay off Debt = http://www.expert-credit-advice.com/debt_settlement_service.htm\n\nDispute Negative Items = http://www.expert-credit-advice.com/credit_repair_service.htm \n\nAdd Positive Credit = http://www.expert-credit-advice.com/building_credit.htm \n\n\nWatch your score skyrocket!
333654
you can't get a loan. With little or no credit you'll have to work on your credit first. Working is a way. Don't apply for too many cards, store credit cards, credit cards such as visa.  If your cool with your parents, maybe have them co-sign or have them put you on one of their cards to help with your credit. But it takes up to 2 years to establish good credit. Trust me I know.!! : )
945
First: the ads that say "we'll fix your credit!" are LYING. You are the one who's going to have to do the job.\n\nFirst: get your credit report. Most states now have a law on the books that requires all of the credit reporting agencies to give you a credit report once a year. Check it over. Make sure that there are no *mistakes* on it - late payments that were not late, disputed accounts, etc. \n\nLate payments and charged-off accounts stay on for 7 years, bankruptcies for 10. Generally, lenders are looking for patterns of behavior rather than once-in-a-way problems. If you find something wrong (and it's likely, unfortunately), write a letter to the credit bureau, providing documentation that you're right. They have to respond in 30 days; if the creditor can't prove that the negative item is indeed true, it comes off your report.\n\nNow you're down to real debt. If you can't afford the payments, contact the lenders and negotiate reduced payments. They will prefer to be getting something rather than having to write off the debt. Once you can afford to pay everything, commit to paying off the worst (i.e., highest-interest) items first. They cost you the most money that isn't going toward paying off the debt. Once you've killed one, the money you were spending on that one can be applied to the next-worst debt, and so on. The amount you can pay any given creditor snowballs rapidly when you follow this pattern. You have to remember, though, that when the first one is paid off, you don't have "more money". You still need to be committing that to killing your debt.\n\nIf you're out of debt, but your credit is lousy, get a secured card, use it, and pay it off every month. This will do a lot for your credit rating. In addition, open a savings account, and make regular deposits. This shows you are saving money and have a resource to pay your bills.
147290
Step 1.  Obtain copies of all 3 credit reports.\n\nStep 2.  Review the information on those reports carefully and dispute any inaccurate information.\n\nStep 3.  If you have credit cards with high balances, pay the down NOT completely.  Having credit card with a "0" balance is not good....they refer to it as "under-utilization of credit."\n\nStep 4.  If you don't have a savings account, open one and apply for a signature loan with the bank using the savings account as collateral.\n\nStep 5.  Pay this loan early.....not right away......if you choose a 12 month payback, pay it off in 6-8 months.\n\nStep 6.  Repeat step 5\n\nStep 7.  Do NOT apply for credit of any kind during this process, inquiries will cost you 2-6 points for each one.\n\nStep 8.  Do pay everything on time or better and monitor your credit report quarterly to ensure that everyone is reporting accurately.\n\nFollow these steps and your score will increase signifigantly.....not the fastest way, but the ONLY way to guarentee yourself improvement.\n\nGood luck and take care
473707
you need someone to co-sign for you a small loan at the bank. That will start your credit. As long as you pay it on time every time then you'll have good credit.
335845
Since we do not know why the credit rating is low, here are a few tips to assist in getting your credit score up. \n1) If you have any charge-offs and judgments against you, you need to pay those items off. Once you have done that, you need to request a letter of satisfaction. You will want to hold onto this letter for at least 7 years, just in case they fail to update your file as paid.\n2) If your current credit card balances are 50% more than your credit limit, pay down the balance to 50% and continue to pay the minimum monthly payment.\n3) You need to have 4 active trade lines in most cases that have a history of more than 12 months. So cutting up and closing your accounts might harm your over all credit recovery. \n4) If you do not have credit, your going to need to establish credit by obtaining secured credit cards. Even though your interest rate will be crazy high, we're not trying to consolidate your bills to reduce your monthly debt obligations. Establish at least 4 secured cards and utilize only 50% of the credit allowance. \n\nUnfortunately you not going to be able to get a high credit score fast, however these steps can help you in correcting your credit and re-establish your credi profile. Hope this helps..
908646
Some credit is available to people with bad credit experience.\n\ngood luck !
63521
Actually, you are already on your way. Simply being aware of the importance of good credit - and then making a plan to maintain your credit is a big step. \n\nThe first thing you need to do is get a recent copy of your credit report. Go to one of the major credit bureaus (www.equifax.com, www.transunion.com, or www.experian.com) and buy a report WITH scores. If you've recently been turned down for credit you can request one (in writing) from each of the bureaus for free. You goal is to get your score above 700. If you have any loans - you must get those current. Do this BEFORE you pay any accounts in collections (if you have those). You'll also want to get up to three credit cards with balances of at least $300. Use the cards once per month to buy something small - and if you need to, give the cards to your parents so you won't spend on them. Keep a very small balance (not zero) on the cards. \n\nDo this and you'll be in great shape within 12 months.\n\nBe well.