Build Credit History Questions

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User Questions & Answers about Build Credit History

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We know how hard it is to get a credit card, especially if your credit is bad. And it is good if there’s someone, who can help you with this. That’s why our qualified experts are always up for your questions, so don’t hesitate to ask.

Recently Answered Questions:

My credit got ruined after my divorce. I’ve got some unpaid debt and I just got turned down for a balance transfer credit card. How can I repair my credit score quickly?

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Leo Zhu
First of all, don't feel bad. Many people have suffered setbacks to their credit score due to a divorce, illness, or other event beyond their control. Continue reading
I don’t understand what is so important about having a good credit score. Why will I need to have a credit history at all? I don’t want to go into debt.

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Establishing a credit history does not mean you have to go into debt. Good credit is a tool, and an essential thing for most people to have. Continue reading
My credit is poor, thanks to a divorce and a subsequent bankruptcy. How can I get it back on track, and how long should I expect it to take?

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Bad credit is a fact of life for many people, so don't feel bad for being in this situation. You will be able to overcome it and have good credit again, but be aware that it can take up to 10 years for the bankruptcy to completely disappear from your credit history. Sooner than that though, your score ... Continue reading
I want to build some good credit before I take a mortgage loan. Will I be able to so with Sound union cards? Don’t see if they report credit activity.

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While you are looking at Sound credit cards, we would recommend you to consider credit cards offered by major banks as well. Continue reading
What is the best type of credit card to apply for if I’ve never had a credit card before?

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Your first credit card is a big step, and an important one. Having a credit card means beginning to build a credit history and a credit score, which will be vital in the future, as you apply for loans and mortgages, job and apartments, and of course additional credit cards. Continue reading
I’m wanting to get a credit card to help rebuild my credit without having to have a prepaid or debit card. My score is a 550. I’m going threw a credit repair company now. Just wondering what card I could get to help me and not get denied and lower my score further.

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If you have never had bankruptcy, you can try getting the Credit One Bank Visa card. The card comes with pre-qualification allowing you to pre-qualify for it without affecting your credit score. Before you apply, make sure you do not have recent late payments on your current credit accounts. Late ... Continue reading
I heard it is easier to get a store card than bank credit card. I was thinking of filling out a Bed, Bath and Beyond application for their card to help me improve my credit. Is this a good idea?

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A store card may sometimes be easier to get than a traditional card due to decreased risk to the creditor because of the combination of a low limit and lone use of the card on their own merchandise. Continue reading
I recently got my first ever credit card. I want to make sure I establish good credit as quickly as possible. What is the fastest way to do this?

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Congratulations on beginning your credit journey. You've done the first thing you needed to do, which is to actually get a credit card. Continue reading
I’ve just started building my credit and thinking to apply for BrandsMart credit card. Do you think it is good for me?

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As a rule, store credit cards are offered to people with average and even bad credit. They are often used to build some credit as well. Continue reading
Will I build credit with a store credit card?

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You will be able to build your credit using a store credit card. Continue reading

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July 01, 2015