Author Topic: building credit faster ?  (Read 694 times)

Offline joewei

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building credit faster ?
« on: July 04, 2021, 10:48:07 PM »
is there any way my credit score should fly up with having 1 cc ?

Offline JACKBLUE

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Re: building credit faster ?
« Reply #1 on: July 04, 2021, 11:49:07 PM »
is there any way my credit score should fly up with having 1 cc ?
make yourself additional cards on people that have a clean old credit history, it should help a lot.

Offline ckmk47

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Re: building credit faster ?
« Reply #2 on: July 05, 2021, 01:22:44 AM »
make yourself additional cards on people that have a clean old credit history, it should help a lot.
That is, get someone with a good credit score to add you as an authorized user on a long held card.  They don't even have to give you the card to spend on.
If  you can get more than 1, even better.
AMEX requires AUs SS#.  That's good for you.
(If you pay a stranger to do this for you, it may be illegal.)

Offline HoKo

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Re: building credit faster ?
« Reply #3 on: July 17, 2021, 05:46:00 PM »
That is, get someone with a good credit score to add you as an authorized user on a long held card.  They don't even have to give you the card to spend on.
If  you can get more than 1, even better.

+1

Offline Zhnoahar

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Re: building credit faster ?
« Reply #4 on: July 21, 2021, 07:24:23 AM »
That is, get someone with a good credit score to add you as an authorized user on a long held card.  They don't even have to give you the card to spend on.
If  you can get more than 1, even better.
AMEX requires AUs SS#.  That's good for you.
(If you pay a stranger to do this for you, it may be illegal.)

+1

Offline bluesky

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Re: building credit faster ?
« Reply #5 on: November 01, 2021, 05:13:07 PM »
Has anyone heard of Tomo credit for people who have no credit or bad credit?  It is 1% cash back, requires no hard pull and is tied to a bank account. How does this compare to getting a Macy's or Kohl's card to build credit?

Offline ckmk47

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Re: building credit faster ?
« Reply #6 on: November 01, 2021, 08:14:38 PM »
Has anyone heard of Tomo credit for people who have no credit or bad credit?  It is 1% cash back, requires no hard pull and is tied to a bank account. How does this compare to getting a Macy's or Kohl's card to build credit?
It sounds like a 'secured' credit card. IDK if it's better than a store credit card.
Either way, use it every month.  Pay your bill promptly.
Over 4 or more months, it should give you a 'credit history'.