Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!


Posted in Credit Scores
Profile Image

Question By

0 Contributions
0 People Helped
"thin credit file" @ 34. Will a store (ie-target) debt type cc build cr like typical cc?
I have never owed a credit nor have used any loan or school, car, home, etc. I do have a couple of bills under my name- rent, car ins, cable. Unfortunately I was recently laid off. Will that make it difficult or impossible to get a credit card? I heard secured cc can help build a "credit file" but I also hard secured cc can be costly (fees, etc.).
One last thought- since I problably would not quify for and auto (atleast one with out a predotpry rate). Would it be possiable to built credit if I borrow money from a family member and make payments to them (though I already own my car out right). Or would it be better if possible to pull a traditional loan and have a family member cosign?
I GREAT appreciate your time and any advice you can give.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.


Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.