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first step in rebuilding credit is?
credit score of 538. need to build credit. don't have mortgage, car payment, or credit cards.
Asked by
noinertia
1 year ago
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Get a credit card. Secured credit cards will be the easiest. Try Orchard Bank or Public Savings Bank. Use the cards sparingly and always pay on time. That will get you started.
hardeight 1 year ago
I used Orchard Bank to help build my credit. They do some things I don't like; 19.9% interest, $65? yearly fee. BUT, they do one thing I do like; they report to all 3 of the major credit reporting agencies. So if you pay that bill on time, it will help your score. But with an interest rate THAT high, you don't want to carry a balance. Just charge a tank of gas per month, or pay for a monthly subscription with that card and always pay the balance in full when the bill comes in. I used the Orchard Bank card from my Rhapsody, and Netflix subscriptions. My bill was around $25 every month.
NiteWatchman 1 year ago
Get a department store credit card (JC Penney, Kohl's etc.)
They don't charge an annual fee; just be sure to pay them off every month.
cschnied 1 year ago
I wouldn't suggest a department store credit card... they often have exorbitantly high interest rates that are 20%+. Go with a secured cards, like Public Savings or Orchard Bank.
justineriv 1 year ago