Credit guru's

[Chris]

Hey guess

I have been thinking of trying to build credit lately so I got a credit report done and this is what it showed me


? There are 0 potentially negative items in your report. What if I want to dispute an item in my report?

? You have 0 accounts in good standing in your report.


I have never had a cell in my name ( always done prepaid ) and I have always been a cash man

What is the best way to build credit ? and what is a good site to get a credit report that shows my score.
I know I do have some outstanding bills that I am paying off but that one didnt show it ?
but it did show a few companys that have looked at my credit when i applied for some stuff

also what is a good cc to start with ? Low start up fee would be niec
I would hate to get raped with a 600$ startup fee and monthly fee's and all that shit that gets spammed to me

[spunkmaster]

Get a Sears card !

They don't care about credit and after you get it you'll get a bunch of other orrers !

[Chris]

Originally Posted by spunkmaster

Get a Sears card !

They don't care about credit and after you get it you'll get a bunch of other orrers !

Hmmm sears doesnt go on credit?

kinda shitty to get credit you gotta have credit it seems lol

[azguy]

Get a `Secured credit card`. It requires a deposit (which is your 'credit' limit) and stuff like that, and slowly builds your credit. Ask your bank about it

[BradM]

Originally Posted by azguy

Get a `Secured credit card`. It requires a deposit (which is your 'credit' limit) and stuff like that, and slowly builds your credit. Ask your bank about it

Yes. Great advice.

[Chris]

Originally Posted by azguy

Get a `Secured credit card`. It requires a deposit (which is your 'credit' limit) and stuff like that, and slowly builds your credit. Ask your bank about it

That would be perfect.... i use a credit union. They do not offer credit cards already talked to em....

any companys you have gone thru?

[pr0]

Jcpennys, Sears....even some hotels like comfort inn etc. have their own brand & will hook up people with no credit on small levels, like $300.

I've got my own credit question, can medical bills, like ones that were late etc. show up on a credit report?

[BradM]

JupZ: Bank of America
WAMU

These 2 big guns offer it.

[Chris]

Originally Posted by pr0

Jcpennys, Sears....even some hotels like comfort inn etc. have their own brand & will hook up people with no credit on small levels, like $300.

I've got my own credit question, can medical bills, like ones that were late etc. show up on a credit report?

well from my credit report i just saw - i would say no
I do have an outstanding medical bill (10,000+) that did not show up

[Babagirls]

Originally Posted by pr0

I've got my own credit question, can medical bills, like ones that were late etc. show up on a credit report?

med bills that went into collection go on your credit report. i know this cuz i have med bills when i was in a car accident when i was 18 yrs old & they're on my report still. tryin to get all that shit cleared up at the moment actually.

[pr0]

Originally Posted by JupZChris

well from my credit report i just saw - i would say no
I do have an outstanding medical bill (10,000+) that did not show up

nice i hope thats true

[SuckOnThis]

Originally Posted by pr0

I've got my own credit question, can medical bills, like ones that were late etc. show up on a credit report?

Depends. ANY past due bill can show up on your credit report but usually medical bills will not unless its reached the point of being sent to a collection agency. Once that happens they most definitely will.

[pr0]

Originally Posted by Babagirls

med bills that went into collection go on your credit report. i know this cuz i have med bills when i was in a car accident when i was 18 yrs old & they're on my report still. tryin to get all that shit cleared up at the moment actually.

fuck, i guess i gotta send in my $280.00 this week to company #1

fucking vultures...i had full coverage insurance thru cobra, & yet i still get random bills from random companies from over a year ago

[Chris]

Originally Posted by SuckOnThis

Depends. ANY past due bill can show up on your credit report but usually medical bills will not unless its reached the point of being sent to a collection agency. Once that happens they most definitely will.

Most hospitals have there own department that they call " collections " to make you think it is sent to a collections agency.

Also all hostpials have signs that say if you can not afford medical treament we still have to help you or some shit like that and then you can go to the billing dept. to get help with it or get it waived

[pr0]

i'm calling all these bastards up tomorrow & getting on the .90 cents a month plan, i'll make sure their own administrative fee's overtake what i send them

cock suckers

[azguy]

Originally Posted by JupZChris

That would be perfect.... i use a credit union. They do not offer credit cards already talked to em....

any companys you have gone thru?

I never did it myself, but I hear Chase has a good program, and so does Citibank. Most large banks offer this. It's usually a Visa card.

[azguy]

Originally Posted by JupZChris

That would be perfect.... i use a credit union. They do not offer credit cards already talked to em....

any companys you have gone thru?

There u go

http://www.wellsfargo.com/credit_car..._card/secured/

[SmutGiant]

Originally Posted by JupZChris

well from my credit report i just saw - i would say no
I do have an outstanding medical bill (10,000+) that did not show up

that debt may eventually be forwarded to a collection agency and that will show up on your credit report... Secured cc is a way to go. Home equity loans are pretty easy to get too, but that's if you feel comfortable putting your home on the line.

How long have you been self employed for? I'm surprised you don't at least have a ploc in case of emergencies.

edit: check out http://www.transunion.com/ or http://www.equifax.com to check your credit report.

[badmunchkin]

Originally Posted by pr0

Jcpennys, Sears....even some hotels like comfort inn etc. have their own brand & will hook up people with no credit on small levels, like $300.

I've got my own credit question, can medical bills, like ones that were late etc. show up on a credit report?

emergency rooms visits are less likely but doctors visits and tests, yes, they can show on your credit report

[Chris]

Originally Posted by SmutGiant

that debt may eventually be forwarded to a collection agency and that will show up on your credit report... Secured cc is a way to go. Home equity loans are pretty easy to get too, but that's if you feel comfortable putting your home on the line.

How long have you been self employed for? I'm surprised you don't at least have a ploc in case of emergencies.

I have been working online for about two years

i have only been making real money for about a year now
so now getting everything in order

I have always been a cash man
I have cash - enough of it ... just no credit ... i'm only 21 aswell


Also that hostpial bill is from when I was 18

[pr0]

Originally Posted by SmutGiant

that debt may eventually be forwarded to a collection agency and that will show up on your credit report... Secured cc is a way to go. Home equity loans are pretty easy to get too, but that's if you feel comfortable putting your home on the line.

How long have you been self employed for? I'm surprised you don't at least have a ploc in case of emergencies.

i've looked into this....like disaster insurance, its like $100 a month..but it doesn't seem to really cover anything

if anyone has any suggestions on health care plans hit me up, i'm looking for one

[azguy]

Originally Posted by JupZChris

I have been working online for about two years

i have only been making real money for about a year now
so now getting everything in order

I have always been a cash man
I have cash - enough of it ... just no credit ... i'm only 21 aswell


Also that hostpial bill is from when I was 18

Than definitely get a secured visa card soon. You have the cash to give them as your deposit, so it shouldn't be a problem.. and just charge everything from now on, till you reach your monthly limit

EDIT: then pay it off

[SmutGiant]

Originally Posted by JupZChris

I have been working online for about two years

i have only been making real money for about a year now
so now getting everything in order

I have always been a cash man
I have cash - enough of it ... just no credit ... i'm only 21 aswell


Also that hostpial bill is from when I was 18

oh ok, i thought you were older... I'm 19 no credit as well.