Question
What to do about No Credit History?
So I'm 18 out of high school. I have No debts or have never made payments on anything, no credit cards or anything of the such. My cell is prepaid as well. So I have NO credit history what-so-ever. Now I had gone to T-mobile just 2 do a price check, and i get this letter in the mail saying they could not verify my Background, or credit history, BUT thank you for your interest. . . So how am I able to get on a phone plan or anything that uses credit checks if I have absolutely NO credit?!?!? (And co-signers are out of the question)
1 month ago - 4 answers
Best Answer
Chosen by Asker
Go to your parents bank, or if you plan to join college open a new account in this bank and ask for a small loan. Explain the reason for the loan (establish credit history). Pay back this loan immediately. Additionally you can ask for a credit card from Sears, Wall Mark, or K-Mart. These department stores usually are easier to issue credit cards for their stores. Buy small items using these credit cards. Pay back these small purchases next month. Resubmit your application for credit card using all above information, credit card numbers as a reference and that's it. You have established a new credit history
Source(s)
Been there before, faced the same problem earlier in my career.
by hoss
1 month ago
Asker's Rating: 
Other Answers
Open a checking account at a local bank and after 6 months or so apply for a credit card their.
by cmcav@yahoo.com- 1 month ago
Get a secured credit card like this www ... then use it to pay all your bills instead of paying cash, then pay the card in full when you get the bill. That's it. Everyone gets approved with secured cards so they won't turn you down.
by Driving Instructor- 1 month ago
Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - credit-report-score.10001mb.com
by Tom- 1 month ago