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treytrey9393

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i was in jail for a long time
i went to jail when i was 18 and i just got released and i am 23 i have no credit history

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Well, you need to start building credit now then. The first and most important thing that you can do is to read and read and read. So many people come here with all kinds of credit dilemmas because they simply refused to read. You can't win at a game if you don't know how it is played. So, do your reading, then get a Secured credit card from a lender that reports to all three credit bureaus, make sure any accounts you apply for are reported to all three credit bureaus before applying, some lenders don't report to the credit bureaus and some lenders may only report to one bureau. You get Vantage scores here on Credit Karma, but they are not the ones to worry about. Focus on FICO scores during your credit build. Get to the reading and come back if you have any questions along the way.

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