I use to have hospital bills, credit card bills & other things on my credit, but in the last couple months when I checked my credit on credit Karma it is all gone so now I don’t have any bad credit I just have no credit history.
Once I get to be my own payee I am going to get a secured credit card & start credit building.
Yes getting a credit card and being responsible with it is a good way to build credit
Yea I’ve been doing alot of research on it & find capital one secured mastercard is pretty decent for doing that, no annual fee but the interest rate is 24.95% not much better anywhere else really. I will have to put down the whole $200 but they sometimes give it back after a year once you build credit history with them… Plus they will increase your credit limit after 5 payments.
Capital one was my first credit card & I have no idea why they sent it to me back in 2000, but I never payed the bill & maxed it out lol
I just had a bunch of bills drop off of my credit report. I got a capital one credit card shortly after.
I did not have to put down $200 though. I got mine thru the credit karma app. Search around, there are better deals out there.
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