illusional_reveur asked:


I’m soon to be 18 and am looking to get a credit card to help build credit. My dad said the best thing to do is to just use it to buy gas, but I’m not really all that up to date on how credit cards work and which ones are the best. Does anyone have any wise credit card wisdom to pass on to me?

sayyeahh asked:


I am attempting to build a positve credit rating and I need a card that reports to the credit bureau, but will allow me to obtain it without a credit check. HELP?

yeah!!! asked:


I have no credit history cause i’ve never had a credit card or borrowed money or anything and I want to establish credit now. well I applied for a credit card that required a deposit..secured credit card will that help boost my credit and how high will my score go once i start establishing credit?

wrightemail256 asked:


Can I start building my credit by paying for things with my bank card and telling them to charge it on credit? (I do not know much about how to build my credit so please help me!)
Question: Best credit card to get to starting building credit and can I build my credit by using my bank card and telling them to charge it on credit instead of debit?

Isabel asked:


Are you hesitant to apply for a home loan just because you have a bad credit score? Good credit score is important but if you have bad credit it does not mean the end of the world. You can still get a home loan if you have a bad credit score.

You need to be very careful in your decision at the time of applying for the loan. Do not haste for the loan to the first offer you are presented. Many money lenders might try to rip you off just because of a bad credit history. Do not accept whatever they have to offer, look out for other options. There might be a better option waiting just next door.

A good search can help you fund lenders who are willing to provide you loan at a much lower interest rate.

Is credit score important?

Credit score is definitely important. No matter it is just a three digit number but it has great importance in today’s business world. Your credit score directly reflects your credit standings and your capacity to repay the loan. A Bad credit score does’nt makes it impossible to get the home loan but it will certainly affect the interest rate you’ll have to pay.

One of the best ways to improve your credit score before applying for the loan is to do credit score repair. All you have to is get a copy of your credit score from any credit agencies. In fact you need to check your credit score once in six months. The reason for this repair is that there might be certain errors in your credit report. Its quite possible you might have paid your dues but they are not recorded in the credit report. You have to notice all these errors and inform the credit agencies to do the necessary corrections. Remember a credit score repair can help you improve your credit score by quite a margin.

Bad credit score is definitely not the end of the world. Your home loan can still be approved. The only drawback is the high interest rate which could have been way low if you had a good credit score. Improve your credit score with the help of following tips

• Pay your dues on time

• Check your credit score at least once in six months

• Avoid creating multiple accounts. Close all unnecessary accounts. Remember zero balance accounts are also taken into consideration.

Isabella Rodrigues writes for credit-free-score.net,

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