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Harshaw · 11-23-2005, 11:05 PM

Ok, I've been trying like mad to establish credit. I've checked my credit statement and there is simply nothing there.
I've tried getting a credit card, that didn't work. So I tried getting a car loan (a few times) that didn't work. I've even applied for a Target card, and it looks like I'm not going to get that. It seems like when I get to the point where I can even get credit I don't want (ie the Target card) I have pretty much failed.

What do I do now? I want to have good credit, I have things I want to do 10-20 years down the road, and I want to have the credit to do them. I don't make a lot of money, until you factor in that I don't need to pay for rent or food (I'm in the Coast Guard). Once you factor that in, I have a fair amount of disposible income.

So where do I go from here. I've accepted that I will have to build my credit before I can get a good credit card, or a car loan. But how do I build my credit?

11-23-2005, 11:05 PM	#1 (permalink)
Harshaw Is mad at you. Location: Bored in Sacramento	I have not credit and I hate it. Ok, I've been trying like mad to establish credit. I've checked my credit statement and there is simply nothing there. I've tried getting a credit card, that didn't work. So I tried getting a car loan (a few times) that didn't work. I've even applied for a Target card, and it looks like I'm not going to get that. It seems like when I get to the point where I can even get credit I don't want (ie the Target card) I have pretty much failed. What do I do now? I want to have good credit, I have things I want to do 10-20 years down the road, and I want to have the credit to do them. I don't make a lot of money, until you factor in that I don't need to pay for rent or food (I'm in the Coast Guard). Once you factor that in, I have a fair amount of disposible income. So where do I go from here. I've accepted that I will have to build my credit before I can get a good credit card, or a car loan. But how do I build my credit? __________________ This too shall pass.