If you have bad to no credit you may want to get a secured or unsecured credit card to build your credit score. Just make sure you make you payments on time and keep your balances below 50% of your credit line.

GO TO EXXON /GET GAS CARD( 100.-200.)/MAX OUT/MAKE PAYMENTS 4MO PAYOFF/=I1CREDIT/GET 1000. @ VISA (EXAMPLE)DO THE SAME FOR 6 MO……..
GO GET YOUR LEXUS………..

open up a cell phone account and pay it on timeget an easy plan say 20 bucks a month for 2 years and pay it right and dont over extend the mins.
open up a jewelry account for a class ring in your name
strech out the payments to 20 bucks a month or whatever you feel comfy with. both of these accounts are whats called credit starter accounts.another good credit starter is a personal checking account.these are monitored for overdrafts and are a must for credit loans because most companys want direct deposit payments on their loans. so by having a bank account this will help immensly. get a car insurance credit account .pay 2 months down on car insurance and the rest in monthly payments ! get utilitys in your name and pay them on time and buy a tv from the power company and make payments like 10 a month and dont miss any of these payments. join a book club or record club and keep the records and pay the club rates.get a high interest credit card and pay the balance every month have your annual fee and transition fee when you get the account and dont let them let you get caught up in making minimum payments. dont enquire at too many department stores. just try to get a walmart card or sears and pay it right.

The process of getting high Credit Score is by purchasing items with credit card and paying them on time. The ratio that calculates is Purchases/OnTime Payments. 5 purchases and 5 on time payments will give maybe a 680 score. 100 purchases and 100 on time payments will be about 760.

What I did was get a monthly subscription that I KNOW I would use, like a movie rental subscription, downloading games, magazines etc.. All of these range from $2 – $30 a month. So each month I would get a credit card bill of a lot amount which would be very easy for me to pay, compared to buying like a $1,500 computer that you would be able to pay off with your next 3 checks from work where there’s a chance you would have to miss a payment due to low funds.

I started when I was 18 and now I’m 21. My credit score is 782.

If you’re in school (college) its very easy to get a credit card. They always are on campus handing out applications. Get ONE card use it occasionally and then pay it off completely EVERY month. If you do that for the next couple of years you will be well on your way to a good credit rating.

NEVER make a late payment. Now that you can pay everything online there is no excuse for this. I started with one credit card when I was 18 that had a $500 balance. I still have a card with that company with a credit limit of $15,000. My overall credit score is over 760.

Remember anything you do WILL be held against you for SEVEN years. Bad credit makes your interest payments higher making big ticket items that much more expensive.

You make 30K a year you will not get approved for a mortgage that high

Whatever you do do not get more than one credit card!!!

no…

I think you should find yourself a mortgage company that does it’s own underwriting and start conversation.

You are set financially and experience-wise. Just don’t go into additional debt (credit cards, loans, etc) except for that mortgage and make sure you educate yourself about those who are successful in real estate and you should do just fine.

You should start applying for credit cards but overdoing it will hurt your credit. Apply for a couple/few credit cards and make sure you do not max it out. In face, don’t charge over 30% of your credit limit on all of them, this will show that you have self control and will not likely to be a potential BIG debtor. Make sure you use and pay them regularly and this will help building up your positive credit in the next couple years. If you can, also use your own name to apply for utility and make sure you pay the bill every month.