Credit Cards For People With No Credit

Get Your Absolutely Free Credit Report Online
A Federal law was enacted in 2003 that gave everyone the right to see his or her own credit report. If interested, you can get an absolutely free credit report online. Make the request, authenticate your own identity and you will be allowed to see your credit report.
It is important to know what's in your credit report. It determines whether or not you can get a home loan or buy a car. A good credit rating earns you lower interest on the loan. You can check yours by contacting one of the three major credit bureaus, The are Equifax, Experian and Trans Union.
Get a free copy of your credit rating once a year from each of these major credit bureaus. If being eligible for a loan, or an insurance policy aren't enough of a reason, think of identity theft. This crime is running rampant. By checking your credit report, you can quickly deal with someone charging items in your name. People have gone through credit nightmares.
One woman had another individual use her name and credit information to buy a house. He quickly sold it and pocketed the money. This left her owing a mortgage on the house the miscreant had sold. The criminal went on to buy a car and open credit cards in her name. She was left with debts she didn't incur. Finally, she had to pay an attorney to help her escape from the financial nightmare she was left in.
One identity thief stole her own sister's name. She was pulled over for speeding and the officer issued a ticket. The girl used her sister's name and information from her driver's license. The were close in age and looked pretty much alike. The imposter then neglected to pay the fine. The amount increased over time. When the victim was stopped a year later, the police officer found she had a warrant and he arrested her. She not only spent a night in jail, but also paid the huge fine that had accrued. She also needed an attorney to get her record cleared.
The innocent sister was stopped one day for a broken headlight. The officer who was writing up a warning ticket, checked for warrants and found one. He wouldn't believe it was her sister who had used her identity. The bewildered woman was arrested and spent the night in jail. She too had to pay attorney's fees to get out of jail and ended up paying the imposter sister's fines to put an end to her nightmare. If only she had accessed her absolutely free credit report online. She might have known sooner and avoided her arrest.

Stand out from the others in your situation and get advice that works! Check out the net's leading authority on this topic today, go to the site now!: credit report for free Or free yearly credit report Or credit report

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A capitol one credit card, for people with bad credit, was denied to me recently. For all three major credit bureaus, it stated "credit bureau information is missing or unavailable". The only answers I could find on the internet were that no credit had been established.
I have 6 accounts in bad standing, one two years old, and 5 between 5 and 7 years. Two accounts have been erased from my history recently, and I have one account in good standing. If I'm being denied credit for people with bad credit, how can I get a credit line, and start rebuilding good history?
And what does it mean that the info is missing or unavailable? At the bottom of the letter from capitol one it said to write to them if I had any more info that might influence their decision. Does that ever work?

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written by Author \\ tags: capital one, Capital One Credit Card, Capital One Credit Cards, Capitol One Credit Card, Cards Online, Credit Bureau, Credit Card For People With Bad Credit, credit for people with bad credit, Credit Information, Major Credit Bureaus, Online Banks, people with bad credit, Three Major Credit Bureaus

What is the best credit card to get if you have a small credit history. I currently only have one item showing on all three major credit bureaus. It is a student loan that I've had opened since June 2006 with no late payments. Current Balance is around 1,600. Original balance was 2,700. So a small loan, but a loan none the less. I have only been making the original small payment that was set up for me to make, and not paying over that amount, though I am learning now I should have been making higher payments to improve my credit score. I've never missed a payment though.

So after giving that information to you, my question is...Will I be able to apply for a credit card with this small credit history and actually get approved? I do not want to get a secured credit card, though if I have to I will. I figured I would give it a shot asking around to see what other people can tell me!

Thanks in Advance!

Just an FYI I have no other bills in my name as far as utilities etc. They are all in my roommates name.

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I know that FICO is an independent company that issues the summary score to the three major Credit bureaus that ranges some where between 400's to 850
what is the top/bottom beacon score ?
I uinderstand all the differences between the 3 bureaus I understand what can effect your credit but I was not sure if Beacon was it's own company like FICO or if it was a different name for the same thing.

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If you have no credit or have a relative new credit history, chances are that you will be turned down for most credit card applications. You have to apply for credit cards that are specifically targeted at those with no credit history. This article highlight the limited choices that are available to those with no credit history or very limited credit history.

However, aside from credit scores, some issuers also place heavier emphasis on your income. So you may be able to get a regular credit card even if your credit history is limited. If you get turned downed for regular credit cards, then essentially, your choices boil down to getting either a secured credit card, or if you are a college, then a student credit card.

What is a Secured Credit Card?

A secured credit card, unlike an unsecured credit card, requires you to put a deposit with the credit card issuer. You normally have to put in a minimum of $300 and a maximum of $5,000 to $10,000. The amount of money you deposit will become your credit line and act as a collateral. Many secured credit card reports to all three major credit bureaus and even report them as an unsecured credit. This way, you can build a credit history and within a year to 18 months, you will probably receive unsecured credit card offers which you can apply for. (or you can come back to this site!). Secured credit cards normally charge an annual fee which ranges between $20 and $50.

If you are a student

The best time to get a credit card is when you are a student because almost all student credit cards have no annual fee. This is perhaps the only time when you have a wide variety of no annual fee credit cards to choose from even if you have no credit. Use your card responsibly and you will have a much easier time after graduation when you are looking for an apartment or an auto loan. Check our college student credit cards section for a suitable card for yourself.

Student Credit Card Recommendations

Below are a couple of student credit cards we recommend.

The Citi? mtvU^TM Platinum Select? Visa? Card for College Students. The card has no annual fee. You can earn five points for every dollar you spend at (1) bookstores, (2) record stores, (3) restaurants (including fast food), (4) motion picture theaters and (5) video entertainment rental stores and earn one point for every dollar spent on other purchases. You also earn 25 points each time you pay your minimum bills on-time and if you do not exceed your credit limit. You can also earn point twice a year for getting good GPA scores (4,000 points for a perfect score). You can also redeem points to reduce your student loan.

Citi student cards require no income or co-signers.

Another great student card is the Discover® Student Card , which allows you engrave your initials on the card in a variety of cool colors. In fact, I would say that Discover's Student Cards are the best cash back student credit cards available in the market today. With this card, you can earn:

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