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Tilted Cat Head
Administrator
Location: Manhattan, NY
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IMO you are a complete risk since you have not credit now and in the future when you are looking to buy a house, you'll still have no credit history.
what's worse than bad credit???? No credit.
Get a card, use it for your day to day, and pay it off 100% at the end of the month. Not 99%, but 100%.
That will help you tremendously... NoSoup can talk about the current mortgage situation, but when I purchased a 3rd property last year, even with a FICO in the 700+ range they were still being very dodgy. We were turned down by a couple of banks, one bank wanted a premium because of the location we were buying.
Build your credit now. Start today.
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I don't care if you are black, white, purple, green, Chinese, Japanese, Korean, hippie, cop, bum, admin, user, English, Irish, French, Catholic, Protestant, Jewish, Buddhist, Muslim, indian, cowboy, tall, short, fat, skinny, emo, punk, mod, rocker, straight, gay, lesbian, jock, nerd, geek, Democrat, Republican, Libertarian, Independent, driver, pedestrian, or bicyclist, either you're an asshole or you're not.
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