FAQ/Help |
Calendar |
Search |
Silver Swan
Member Since Jan 2008
Location: USA
Posts: 16,468
(SuperPoster!)
16 2,545 hugs
given |
#1
I just checked my credit report and it said there wasn't enough information to calculate a score and it said my score is zero. So a friend told me to ask my credit union about getting credit with them to help build up my credit again. I always pay my bills in full every months so that's not the issue. Anything I need to know?
__________________ Wellbutrin XL 300 mg Caplyta 42 mg Ingrezza 80 mg Ativan .5 mg 2x/day Propranolol 20 mg 2x/day Mania (December 2023) Mixed episode/Hypomania (September 2023) Depression, Anxiety and Intrusive thoughts (September 2021) Depression & Psychosis (July/August 2021) Mania (April/May 2019) |
Reply With Quote |
catches the flowers
Member Since Jul 2019
Location: Downtown Vibes, California
Posts: 15,701
(SuperPoster!)
4 23.7k hugs
given |
#2
I wish I had an answer for you, Moose. I have a zero credit score because I've always had everything in my husband's name and the system is cruel. I've never made enough money on my own to have my own credit. Stayed home to raise our children, then worked only part-time at a low wage job.
__________________ |
Reply With Quote |
Member
Member Since Aug 2015
Location: Florida
Posts: 346
8 |
#3
If you pay everything on time, if you use cash, have no loans or credit cards, then, yes. The system penalizes you with a zero credit score. Many years ago I had a friend in that same situation.
|
Reply With Quote |
*Beth*
|
catches the flowers
Member Since Jul 2019
Location: Downtown Vibes, California
Posts: 15,701
(SuperPoster!)
4 23.7k hugs
given |
#4
__________________ |
Reply With Quote |
Legendary
Member Since Dec 2014
Location: USA
Posts: 10,181
(SuperPoster!)
9 1,869 hugs
given |
#5
Get a credit card that you can be approved for with not enough credit history. I posted a link that may help you figure out which to apply for.
Side by Side Credit Card Comparison Charge something on it you can afford to fully pay off each month and don’t pay late. This builds credit history and your score will begin to rise. __________________ "And don't say it hasn't been a little slice of heaven, 'cause it hasn't!" . About Me--T |
Reply With Quote |
Legendary
Member Since Dec 2014
Location: USA
Posts: 10,181
(SuperPoster!)
9 1,869 hugs
given |
#6
Quote:
__________________ "And don't say it hasn't been a little slice of heaven, 'cause it hasn't!" . About Me--T |
|
Reply With Quote |
Reply |
|