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w00ki33

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How to positively raise new-er credit
Under 30 over 21 something, just started my credit off two years ago with a car trade in on luxury lease. Original lease loan was over $40k, traded it in last year to buy my current car. Current positive "loan debt" is $25k for over 4 yrs.

My credit being still new, is around 620. I don't own a credit card, I have no other outstanding debt other than my car which I have paid off monthly 100% without any late fees. Other than a few hospital bills paid in full at time of due, I have nothing outstanding on my name.

I've tried to get approved for a credit card to help my credit keep getting better but I'm constantly denied. What's a good way to get credit without getting in debt? I'd like to eventually buy a house and receive a good loan, but I won't do that until I receive good credit.

I'm just stumped on how to improve my credit to be accepted (when every card denies me) and my sister who has worse credit keeps getting accepted.

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Top Contributor
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Couple of things

Capital One and Merrick Bank routinely give credit to those with lower scores.  I know, I have both.  Low limits and high interest rates...but consider them a gateway to better scores...and quickly.  Adding a Credit Card for someone in your position will likely add 20-30 points over a couple of months.  Also use the card...but pay it off every month...but make sure you always keep the balance below 50% of limit...going over 50% of available credit is viewed as a not good thing usually.

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