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 am in my 20’s, I want to start building credit. I’m not sure where to start. Not an avid shopper but I do spend plenty on gas and restaurants. Car insurance, gym membership and subscriptions are a monthly expense. Not sure where my credit stands either. What do you advise?

Answered on

First, you can check if there is a credit report in your name with any of the major credit bureaus – TransUnion, Equifax, and Experian. If you receive reports, read them to make sure all information (especially your personal information) is correct. Any error can be disputed with credit bureaus... 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 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’m a member of the Fuel Rewards Network and want Fuel Rewards Mastercard but have never had a credit card before, will I qualify for this credit card?

Answered on

Such cards like the Fuel Rewards Mastercard are usually offered to people with established credit history who have at least average credit. However, since you are a Fuel Rewards member, you might have received a pre-approval offer. If so, you can give this card a try. You will need to provide some... 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 have bad credit and want to improve it. Do you think 7Eleven gas card will be good for that?

Answered on

Since your goal is to improve your credit, you should first of all find out if the card is reported to the major credit bureaus. As the 7Eleven credit card is a station-branded card, the bank may not want to see applicants with too bad credit. However, at the same time, it is not necessary to have a... 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 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

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Choices for Bad Credit: Prepaid, Secured and Unsecured Cards

February 28, 2015

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