Establishing and building up a good history when it comes to your credit report is essential as this is what you will have to depend on throughout your life when it comes to asking for credit of any kind. Your credit history is what all lenders go on and if you don’t have an excellent one then you are going to be turned down time and time again until you have managed to establish or re-establish your credit score and rating.

However when just starting out on leaving college you can also find it hard to get credit as you don’t have a credit history on which the lenders can fall back to determine how big a risk you are. Not having a credit history can be almost as bad when it comes to getting accepted for credit as having a poor credit rating and low score.

It is seen as nothing more than a vicious circle, you cant get credit because you don’t have any credit history and you cant build up credit history because you cant get anyone to give you credit in the first place. This is when you have to take matters into your own hands and do everything possible to begin establishing a good credit history.

Just as with anything that you start from scratch doing you have to build up slowly and the best way to do this is to lay down some firm foundations from which to work from. Simply by opening a checking account with the bank is one of the fastest ways to get off the ground, this will help you to establish financial credibility.

Following this you then have to set about proving that you are responsible when it comes down to your finances. This means that you have to be very careful to make savings and not to over draw on your account or to write checks that you cannot pay and so they bounce. If you are renting an apartment then always ensure that you pay your rent and any bills on time or before time, these are some of the quickest ways to prove that you are trustworthy and reliable and goes towards getting a step closer to establishing a good credit report.

Once you have got this far you can then apply for a small line of credit; however the emphasis here is on a small amount of credit. Do not go overboard and set your sights too high as this will only result in you being turned down and will go against you on your credit report.

If you choose to apply for a credit card and get it then don’t be tempted to apply for more than one. By doing so it is equivalent to waving a red flag in front of the lender and will probably send what you have established so far crashing down to the ground.

If you choose to apply for a loan then offer to put up a substantial down payment, this will show the lender that you are financially secure and this can make a huge difference when just starting out.

Whichever way you choose to go it is imperative that you take your finances and your credit rating and history seriously and act responsibly; it is harder to build back up a poor credit rating and score than it is to earn it in the first place.

Good Credit History Question & Answers

Good Credit History Question: 1

apartment credit?

I have not so good credit but I have two jobs that i have been with for two years , but no rental history will apartments still accept me??

Answer: 1.
It depends on what kind of screening process the use. Some companies are heavily dependent on credit scores in order to approve you. Others are more interested in income and rental history. Some look at all three equally.

Sometimes you can get a guarantor (co-signer) or pay an extra deposit and get approved when you have less than perfect credit.

Ask before you fill out an application what their method for screening is. Also, sometimes private rental companies are more lenient than large management companies.

Hope this helps.
Answer: 2.
Yes they should u might have to pay a little bit higher of a deposit depending on what your credit score really is but u should get excepted!!!
Answer: 3.
Yes. They want to see employment stability. Everyone has to have a first apartment sometime.

Good Credit History Question: 2

help, we have a fixer upper.?

My husband and I just recieved a house as a gift from my father in-law. It needs alot of work!! The house is not in that bad of shape, but my father in-law is a garage sale adict. There is so much stuff in it. Our income is low. What is the best way to go about getting rid of this stuff. Wall to Wall STUFF!! My father in- law wants to profit from his STUFF. How do I go about getting a loan to fix this place up with our bad credit history and low income?

Answer: 1.
first, sell your in laws stuff in a garage sale, then with his help you can start by using all of your free assets first... elbow power, everything you can do yourself , or with your husband, children(if any) and friends, i would go that route first.. then see how much you have left and if it is in need of professional, expensive help, then i would prioritize that list.. windows, old ones usually need some caulking, floors, redo them yourself, not hard at all.. go to diy on your cable or satellite provider, you be surprised how much you can do yourself.. loans are permanent debt, and are never, ever really paid off.. think about it.. don't give the bank a promise you can't fulfill, and then they come and take YOUR house that was given to YOU!!!!
Answer: 2.
Before you sell everything, make sure that there is nothing you can use to help you fix up the home or improve your quality of living. Remember, a little can go a long way with remodeling. Clean, paint and organize!!! You don't have to rebuild to make it seem new to you......just make it different and too your taste. Take on only one project at a time so that you don't get overwhelmed and give up. I am doing my entire home one room at a time and on a budget. It pays to take your time.
Answer: 3.
You need to have a very large sell. What doesnt sell have habitat come pick up. There are ways of making things look nice for very cheap. One room at a time paint,fix any damaged trim, replace carpet. Its amazing what a can of paint will do.
Answer: 4.
(1)
Sell the Junk,,, If the house is structurally OK and the roof is in good order , paint is reasonably cheep and easy to apply use the money from the sale ( I presume the junk is now yours).
(2)
A nice front garden makes a house look good,, check out the local gardens and see whats growing in the area ( you may be able to get cuttings from some of your neighbours)
Answer: 5.
if you take one room at a time and finish clearing out and cleaning it , take all that is not wanted or needed and put aside for a sale. If you price it too much you wont sell it .Price it too sell it.. If you take your time and find things on sale you can spend little money to fix the House up.You Will have fun and will be happy when you are finished. And as you go along you will find other things on sale and in yard and garage sales also.. that you can use..
Answer: 6.
Craigslist the STUFF and speak to a credit union about a loan.

Good Credit History Question: 3

looking for apartment rentals in columbia south carolina with no credit checks..need two bedroom...under 5.

I'm moving from another state and need to find private rentals with no credit check, due to problems with credit history.

Answer: 1.
Go to criagslist.com go to SC you will find something
Answer: 2.
you could also try www.thehortoncompany.com or landmarkresources.biz. Those should help

Good Credit History Question: 4

Why do people misconceive one another? Why do people take back their word?

I went to sign papers for a house I wanted to rent and the renter asked me about my credit history so I told her that I had bad credit. The only thing she was actually worried about was if I had ever gotten evicted from anywhere and I never have. Now she says that I cant rent the house because my credit is not good enough. Well my intentions were to move my family to the house and consolidate my credit debt which by the way I was in the process of doing while getting ready to move in. Now the problem is I have a child that was promised his own room and now he does'nt have one to look forward too. Why are people so mean? Why couldn't she just listen to my reasoning? I am now stuck between a rock and a hard place because I need somewhere to live. I guess this is the price I pay for getting my education. So if there is somebody in the area that has property for rent Please help me and my family. You know there are still hononest people in this world and I'm one of them.I currently reside in Monrovia California and I am prepared to pay 1000/1150 a month for rent.This person was a real estate agent but I had talked to the original home owner about my credit and that is when everything changed for me. The agent talked to the owner and basically changed her mind about renting to me and the sad part is that this house is right next door to my current address. I watched as they remodeled the house I even had conversations with the original owners Brother about this property can you really help me?I know someone is out there that can help me so p;lease feel free to give me some information.

Answer: 1.
Please for starters, do NOT put yourself down, by saying:"you guess this is the price you pay for getting your education. I can give you examples of people in my immediate family who did not even COMPLETE high school, and came out to be honest, hard working and successful people. It just is a shame that you were so mistreated by this "renter"-Secondly, the "renter", was it a private owner, or an estate agent, etc? And can you please advise as to the approximate area you are looking at to move, and approx. rent affordable for you now. Yes, indeed, there ARE still very honest people in this world, and I am sorry you were treated so poorly. God is good, you NEVER know, I hope to hear some kind of input, so THIS honest person (me, and my husband, who is actually the real estate pro) may be able to help you out. For the meanwhile, take a deep breath, relax, and try to stay calm, and KNOW that you are NOT the only honest person living in a rotten/bitter world.(although, it is often-times hard NOT to fell so, I understand).
Answer: 2.
Life is one big peice of sh1t
Answer: 3.
people are the way they are for various reasons i guess. Some might be ahving a bad day...others might hate their job. I don't know what that lady was thinking, and yes i think that it sucks that she coudn't tell you that up front as well. Just keep plugging away at it even if you feel hopeless.

Good Credit History Question: 5

finding a apartment with a bad credit history?

i being trying to fine apartment to rent an i can`t get on because of my bad credit. please give me the way i can

Answer: 1.
If your working at a good job and been on the job for over a year have your boss write a letter of recommendation concerning your working habits and that your job is stable. Also, it would help if you are working with a credit debt consolidation company. They can help with a letter or a phone call. Some apartment rental places have six months lease which would help prove you can pay the bill and get a year lease the next time.
Good luck to you.
Answer: 2.
YOUVE GOT TO COME UP WITH THREE MONTHS RENT....THE FIRST MONTH THE LAST MONTH AND ONE MONTHS SECURITY DEPOSIT....
Answer: 3.
wow, your credit is so bad you can't even get an apartment?! You might want to PAY YOUR BILLS on time from now on. I couldn't imagine my credit being THAT bad.

I've been buying houses since I was 21, so I'm glad I NEVER have to rent an apartment.
Answer: 4.
large deposit will do it
Answer: 5.
there are apartments that will take you on a case by case basis. but it gets expensive paying fees for checking. you can get a list from hud from your county for disabled that even though you may not, it lists every apartment complex in your county and the cost to move in along with what they require for credit or which ones will work with you. i got such a list from a disabled friend in my county and even top complexes were on it. you know ahead of time who to look at saving you time and money.

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