You can obtain your credit history by requesting a free credit report from each of the three major credit bureaus - Equifax, Experian, and TransUnion - once a year. You can do this online at AnnualCreditReport.com or by calling 1-877-322-8228.
A person may wish to obtain a no credit history credit card if they have experienced financially difficulties in the past and therefore are concerned that they may have a poor credit history.
To obtain a credit card, you need to fill out an application that asks for your name address and employment history and your credit history if you have one.
A person can obtain a free credit history check from several different places. Some of these places include Credit Karma, Credit Sesame, and Experian.
Apply at department stores for credit or small rent to own items to establish credit
To obtain a loan
A person may wish to obtain a no credit history credit card if they have experienced financially difficulties in the past and therefore are concerned that they may have a poor credit history.
To obtain a credit card, you need to fill out an application that asks for your name address and employment history and your credit history if you have one.
A person can obtain a free credit history check from several different places. Some of these places include Credit Karma, Credit Sesame, and Experian.
You can obtain your credit report for free through your credit card company twice a year. You can also request your credit history through equifax, transunion, or experian for a small fee.
Apply at department stores for credit or small rent to own items to establish credit
One can obtain a free credit history online from the website Annual Credit Report. Additional sources are Experian, Credit Karma, Equifax and My Fico.
To obtain a loan
Changing your name can help you obtain a new credit history by creating a fresh start with a clean slate. When you change your name, it can make it more difficult for creditors and credit bureaus to link your new identity to any past credit history, allowing you to establish a new credit profile.
Obtain a credit card and use it. Store credit cards are available to use as well-- they're specific to that store, of course, but it can be used to build a credit history with purchases and such. Any major payments made will count towards that credit history.
When you don't have a credit history, it can be difficult and frustrating when trying to obtain a credit card or other type of loan. Establishing your initial credit history can be a Catch-22. If you don't have credit, not many places are willing to give you credit, yet how can you ever establish credit if nobody is willing to give you any.
It is illegal to obtain a new identity for credit purposes. It is important to build credit using your own identity and financial history. If you are having trouble with your credit, consider seeking help from a financial advisor or credit counseling service.
Even with an adverse credit history, one may still be able to obtain loans through various lending associations. Some of these companies include Easy Financial or Fast Access.