Have never had credit and apparently CANT GET credit?
by admin ~ May 14th, 2008 . Filed under: Credit .
I am 20 years old and have used a debit card and cash only for my entire life. I have only rental history to my name, and several utility bills from my last apartment. The trouble is, I have tried to establish credit by applying for a card, and can not get approved because the companies get no record of me in the major credit bureaus. I then tried to get a free annual report from the agencies just to see what was going on. Unfortunately, they will not give me a report either, saying there is either bad information on me or a security freeze. This scares me for the following reason:
When I was applying for my apartment lease, there was an issue approving me for whatever reason. The utility company would not approve me because the social security number i provided them with belonged to someone else. This was completely untrue, seeing as how I was holding my SS card in my hand at the time of the call and was reading the number to them repeatedly. This led me to believe someone STOLE my SS number, so I called the bureaus (or a bureau, I can’t even remember), and filed (again, I THINK I filed one, I had no idea what I was doing) a stolen number claim, or security claim, or something.
Basically, I need someone to tell me what to do to get back on track and gain control of this situation. I just want to be able to establish credit and will establish GOOD credit, it is just impossible to do either with this preventing me from doing anything credit-wise.
Edit: I forgot to mention that I have moved not once but FOUR times in the past 3 years. I have moved from Oklahoma to Houston to San Antonio and finally Philadelphia. I am not sure if this is the problem, as I have as many of my previous addresses when filling out these forms as possible.
Monet Puraty
May 16th, 2008 at 5:16 pm
To find out your credit go ,This is annualcreditreport.com and check your credit then open a secured credit card account for starters there are many on line ,but watch out for hi fees
May 18th, 2008 at 9:16 am
Easiest way to build credit is by getting a credit card. You won’t be eligible for every credit card that’s available but there are few that you could start out with. I like the site below because they list all the cards for people with no credit. You are guranteed to get approved and if you keep on making payments regularly for few months, you might be eligible for a better card later. Try it out!