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!

Question

Posted in Paying Your Bills
Profile Image

Question By
BlaxSteve

0 Contributions
0 People Helped
Why dont i have much credit?

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

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
97 Contributions
131 People Helped
Most Helpful Response

Helpful to 2 out of 2 people

Hi BlaxSteve! You may not have much credit because it takes time to build credit (using loans, credit cards, other debt, etc). Many fresh-out-of-college grads don't have much credit because they just haven't had the opportunity to build it. But no credit history is better than bad credit history. Do you have any loans? Student loan or car loan? If not, good for you. You can start building your score by applying for a credit card (and paying it off in full every month). It's especially important to build credit up because one day, you may want to buy a home and you'll need decent credit in order to get a mortgage. Hope this helps!

Top Contributor
5038 Contributions
1136 People Helped

I don't know, you haven't provided any type of information!! Could it be that you have not used credit that was reported to the credit bureaus? Could it be negative information on your credit reports? If you need better advice ask a new question with more details about your situation, just DON'T include any personal info, this is a public web forum.

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

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

View your scores and reports anytime.

SIGN UP NOW

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.