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Melinda22gar

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need to up credit score but unable to get credit card or loan
I need to increase credit score in order to buy a home, but i have such bad history with my credit cards in the past they are all deliquent and charged off, so how am i supposed to increase it if i can't get approved for any kind of new card or personal loan ?

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The only credit card you may have a chance to get would be a secured card, which means you have to deposit some money with the card issuer and that would be your credit limit.  The topic is well covered in the articles provided by this site since the purpose of Credit Karma is to teach people about credit, how to use it well and how to build a good score. Your past mistakes are going to haunt you for at least 10 years now, because that is often the time frame mortgage lenders use to determine eligibility for a mortgage.

You really need to get control of how you handle credit since missing mortgage payments will end up possibly having your home foreclosed and you'd be homeless.  Please learn and practice good credit habits and get things straightened out before even thinking of buying a home.

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