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ITT We give Jim V tips to build his credit and become independent.

Started by Daddy, July 20, 2008, 02:57:01 PM

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Daddy

July 20, 2008, 02:57:01 PM
My card should be here tomorrow or Tuesday.  baddood;
With it I shall build my credit and do stuff.

ITT You guys provide me with tips to build some good credit as quickly as possible.

The Speaker Of Words

July 20, 2008, 02:57:59 PM #1
Buy cheap stuff with the credit card and pay it off right away?

Socks

July 20, 2008, 02:58:50 PM #2
What card?

Daddy

July 20, 2008, 02:59:47 PM #3
Quote from: Socks on July 20, 2008, 02:58:50 PM
What card?
Tarjeta de Crédito

Socks

July 20, 2008, 03:03:27 PM #4
I have no advice.

My mother used my name for stuff for the past two years and was prompt with the payments. Now I have good credit and didn't even know it until a week ago.

ncba93ivyase

July 20, 2008, 05:31:06 PM #5
Buy me a game.

Quote from: ncba93ivyase on June 18, 2014, 07:58:34 PMthis isa great post i will use it in my sig

[REDACTED]

July 20, 2008, 06:17:55 PM #6
Quote from: The Speaker Of Words on July 20, 2008, 02:57:59 PM
Buy cheap stuff with the credit card and pay it off right away?
I do not have HIV/AIDS.

Sam

July 20, 2008, 06:21:07 PM #7
I'm not a fan of credit cards, only because i know i'll overspend when i get one. I'll stick with my debit for now.

As for building your credit, only use it to buy things you would usually buy, and don't buy anything you don't already have the money for. Too risky.
1.8mb is too huge for a sig nigga

YPrrrr

July 20, 2008, 07:31:19 PM #8
Only thing to do is to buy things with it and pay off your debts right away

FAMY2

July 20, 2008, 08:56:56 PM #9
 Basically what everyone said. Never be late on payments.  Sometimes take a few months to pay things off. That way you have a history of making a series of payments on time.

Daddy

July 20, 2008, 09:07:07 PM #10
Quote from: Clair on July 20, 2008, 08:56:56 PM
Basically what everyone said. Never be late on payments.  Sometimes take a few months to pay things off. That way you have a history of making a series of payments on time.
This may actually work since I have a 0% APR until February.  doodella;

FAMY2

July 20, 2008, 09:10:26 PM #11
Quote from: JMV on July 20, 2008, 09:07:07 PM
This may actually work since I have a 0% APR until February.  doodella;


It does help. They can see you being responsible with one debt over a period of time. Harder to do than pay small amounts off quickly.

Socks

July 20, 2008, 09:12:52 PM #12
No one has suggest he steal someone's identity? You guys suck.

Daddy

July 20, 2008, 09:18:04 PM #13
Quote from: Socks on July 20, 2008, 09:12:52 PM
No one has suggest he steal someone's identity? You guys suck.
That would build their credit.
Quote from: Clair on July 20, 2008, 09:10:26 PM
It does help. They can see you being responsible with one debt over a period of time. Harder to do than pay small amounts off quickly.
Does it help your credit more if you make 6 consistent payments of 50 dollars or make 2 of 150?  Or does it have the same effect?

FAMY2

July 20, 2008, 09:19:50 PM #14
Quote from: JMV on July 20, 2008, 09:18:04 PM
That would build their credit. Does it help your credit more if you make 6 consistent payments of 50 dollars or make 2 of 150?  Or does it have the same effect?


  Make 6 of 50. You pay more interest but you are establishing a good credit history.
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