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12021215

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I need help with my thin file. Please email me some advice. Thank you.

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Don't know what your score is, but you need to get some good credit.  If you can't qualify for a traditional credit card, then get a secured credit card (you put the funds up front, so lender is not taking a risk).  Visit www.creditcards.com for great list of all available, with rates, etc.  Second, visit your local credit union and ask them for a "credit builder loan".  Again, you'll be fronting them the money, so you'll need some ready cash for these options. Finally, if you have a relative (by blood or marriage) with good credit, ask them to add you to one of their credit cards as an "authorized user".  You do NOT need to know the card number, you won't get issued a card, so they don't have to worry about you going nuts and running up charges on it.  If they agree, their credit history (from the day the opened the card) will magically appear on your credit report.  Visit www.credit.about.com for more tips.  Best of luck!

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