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:

I was wondering if you had any idea as to what credit score you are required to have in order to be approved for the Bed Bath and Beyond Credit Card, and how do you apply for it?

Answered on

You are not required to have an excellent credit score to be approved for their card, but you can’t have bad credit either. Credit scores in the fair range or above would probably have a decent chance of being approved, but there is no guarantee since other factors are considered beyond just your credit... Continue reading
I have acquired a lot of credit cards over the years and most of them I do not use anymore. Right now i use only my Arvest card. Should I close some of the accounts I know I will never use again?

Answered on

No, you should not close old accounts. Old accounts bode well for the length of your credit history which can be a significant portion of your credit score. Continue reading
I recently got divorced, and my credit score suffered in the process, due to some regrettable decisions made by my former spouse. How can repair my credit and be approved for a low APR, no annual fee credit card again?

Answered on

This is something that happens to lots of people, so there's no need to panic. Repairing credit takes some patience, and often plenty of time, but it will happen if you can follow a few guidelines and be strategic about your credit use. The first thing to do is set up a payment plan to pay off all your... Continue reading
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?

Answered on

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.

Answered on

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
I want to build my credit and was wondering if Conoco credit card will be good for that?

Answered on

When you are building credit history you will want your card to have one important feature – reporting to major credit bureaus. 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?

Answered on

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.

Answered on

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?

Answered on

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.

Answered on

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

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