I’m twenty years old and I’ve just gotten started understanding credit. My beloved added me to one of his cards that he’s had since he was eighteen (8 years ago) and then I started getting all kinds of credit card offers because that spiked whatever score I had at that point. What I want to know is, what is your credit score when you first start out in life? What determines what score you have if you’ve never had any kind of credit cards or loans before in your life?

Also, what is the best way to jump start your credit? I want to buy myself a new car when I turn 21, but I want to be prepared. I have another year before that happens :)

 
 

Ok, just checed my credit report and score, all three gave me different score’s though: Experian: 604 Equifax: 634 Transunion: 541 so waht is my actuall score? is it the advrage of all three? That makes sence to me. how can I improve the lowest one, like single the 541 and improve whatever effects that [...]

 

I’m looking for a credit card because I’m in college and i need to start building up my credit and i have applied for a few cards and have been turned down for lack of credit history. I know if a lot of companies look at your credit score it can hurt your score. Does [...]

 

It says you have to sign up for a free 7 day trial to get it. How fast do you get your score? And do you really get your score or just a credit report? Or truecredit.com

 

I made a few mistakes here and there and have some medical bills on my credit report along with other collection accounts. I have 3 credit cards that I almost have paid off and project to have my credit report clear sometime this year. My question is once I have the credit cards paid off [...]

 

My family is moving, and my mother has found the comprehensive most PERFECT house. The man who owns it said it’s ours if her credit score is on top of 500. My mother doesn’t know how to find her score online, and, being a teen, neither do I. Any help?

 

Ok, past credit messed me up. I have a judgement thats almost paid off. I am trying to raise my credit score.I have 3 new accounts that I’ve paid on time for over 1 year. I read that one way to raise your score is to ” piggy back” on a relatives good credit ( [...]

 

I already have two which I’ve always been told is pretty ideal. I’m just about to make the jump into “Good” credit territory, though, and am wondering whether it’d be better to simply renegotiate better terms for my current cards or apply for a new one. As I understand credit, getting a new card would [...]

 

We are working our way to buying our own home and only have 50 pts to go to get approved, but I would like to raise it a little more than that so we can get a little better rate. Would it be quicker to get a secured credit card that reports to the credit [...]

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