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    autumndream's Avatar
    autumndream Posts: 9, Reputation: 1
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    #1

    Jul 25, 2011, 08:37 AM
    No credit records,where should I start to build my credit?
    Hello,everyone
    I got a question.
    I didn't have any credit records yet since I've just moved to usa,and I didn't have a job either at present,where should I start to build my credit record then?
    I heard somebody said I can start applying a credit card named "security credit card",has anybody used that kind of credit card here?would you share your experience to me? I will appricate that very much!
    *** don't introduce CapitalOne though,because I've had a very terrible experience with them before...
    joypulv's Avatar
    joypulv Posts: 21,591, Reputation: 2941
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    #2

    Jul 25, 2011, 08:51 AM
    Open a checking account (if you haven't) and they will offer a debit card.
    After a while, offers will come in the mail.
    You can pay into credit cards, which basically is a debit card, but why pay some company a fee to hold your money?
    Concentrate on that job first. Don't get sucked into the credit dream which is really a nightmare.
    If Capitol One was a bad experience, and it left you with a bad credit rating, you may be out of luck for several years anyway.
    Fr_Chuck's Avatar
    Fr_Chuck Posts: 81,301, Reputation: 7692
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    #3

    Jul 25, 2011, 08:57 PM

    What type of bad experience have you had with Capital One, so you do have credit, merely bad credit ?

    First you need a job, a checking account,
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