any credit masters here? explain this shit to me please? >also

1) Not Fico Score, its a vantage(precise not accurate) score looks like.

2) 7 years to a complete score,

3)missing data

4) possible problems beyond the 2 year payment history.

>>1318795
can't get credit card cuz low credit score
credit score low cux no credit card
fucking circle jerk credit shit.

>>1318800
Very adult attitude. I can tell you're gonna far anon.

>>1318823
shut up. everything you have was prolly handed to you. if so, then your input is shit.

if you actually know why 100% on time payments = shit score, please enlighten me.

File: Decent Credit Bread.png (1MB, 1868x3320px) Image search: [Google]

1MB, 1868x3320px

walmart almost never says no if you can verify id. If you can't get A secured card, YOu should try for the highest limit secured card you can get.

>>1318832
If you don't have a credit card, then the only thing on your credit report is going to be either (a) something old, or (b) something like your utility bills. No one really gives a shit if you pay your electric bill on time, because it's not really credit.

Also, you're a faggot.

Isn't credit card to Jewish? Why not stick to debit card?

>>1318832
You shut up.
Fresh immigrant speaking.
I got a CC after 3 months using a checking account at a bank.
$800 limit, now $4,000 after just 1 year.

>>1318800

Had this happen to me when I started building credit. My banks didn't offer any credit card services and I didn't want to put up on a secured card.

I just picked a few stores that I frequented and picked the one I thought would be easiest to get a store card. After a months (may have been 5-12 months) I went ahead and applied for a credit card.

Don't try to apply for a bunch of credit lines, some of those pulls may not disappear from your history for 2 years. Try to pay off bill every month as debt to available credit is also a factor.

I didn't want to bend over backwards for a starter card and didn't want an annual fee as I knew that my open credit line history would be somewhat important getting started. So chose something that you can keep for a few years before moving on (hence why I chose a store card).

>>1318755
You need to give the jews more money, then you get a bigger goy number.

>>1320002
Secured cards start st like 300 hundred bucks, hows that a problem for you??

>>1320002
What's the issue with a secured card? Genuinely asking because I have no credit and am looking into building it.

>>1318755
>515

Jesus christ how? That can't be just from starting out with no credit history.

>>1318755
Go off the grid OP you won't regret it.

>>1318800
I'm poor and started out like this too but I managed to get a Cap 1 Secure with no job a couple years ago and managed to get more cards as time went on afterwards.

It's been about 6 years now and I'm at TU 716 and E 696 with a slave wage job and have multiple cards that I got for the financing they offered then didn't use them again.

I don't know how you can't get the Cap 1 secure I've had some coworkers that couldn't get it either and they were pretty dumb people so that must be something you should consider?

>>1320113
b/c they're dumb. its a bad loan

>>1320154
Why is it a bad loan?

>>1320163
When I got a secured card I deposited 50 dollars and got 200 dollars of credit and managed to build up my credit legitimately. When I didn't need the card I closed it and got my 50 dollars back in the form of a check.

>>1320167
That's great to hear. I was contemplating getting a secured card to start building credit. Though what should someone do after they've started building credit? When's the appropriate time to applying for unsecured cards?

>>1320187
I got my second non secured card after about 8 months probably. I paid my internet bill every month with the card which was 40 bucks and paid it off on time every month. It was another Cap 1 card and I wouldn't get another card until maybe 2 years later but after that I got approved for pretty much any.