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 want to apply for a credit card to start establishing my credit. I have only Visa buxx card which is a debit card, no loans or other credit accounts so far. Can you recommend me a card to start building my credit?

Answered on

A good credit card to start building a credit history with can be a secured credit card. Secured cards are generally aimed at people with no credit history and at people with bad credit who are rebuilding their credit. Continue reading

What is Emblem credit card? What kind of credit card is it?

Answered on

The Emblem credit card is an unsecured credit card offered by Jefferson Capital Solutions as a part of their fresh start program. The card is issued by Monterey Country Bank and is reported to three major credit bureaus. Continue reading

What kind of credit do I need to apply for the Pottery Barn credit card?

Answered on

Excellent credit is not necessary, but this card will not be given to those with bad credit either. If you have bad credit and try to apply for a card or a line of credit of any kind that you are not qualified for this may harm your credit even further. Remember that they have […] Continue reading

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?

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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.

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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

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?

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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?

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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?

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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 […] Continue reading

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Choices for Bad Credit: Prepaid, Secured and Unsecured Cards

February 28, 2015

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