I have spent the past two years trying to build credit after the destruction I performed during the first years of my adult life. I have cut my monthly expenses down to only rent, insurance and student loan payments. I would greatly appreciate some advice on what my next step should be. if a credit card isnt the solution, what is? Any help would be greatly appreciated.
Crown Jewelers; generally everyone starts out with a $1500 limit. They report to Experian and Trans Union. Buy something really small. It requires a down payment of $7.00 to $10.00. Then after 6 months of paying on time, there is no down payment required. They start reporting about a month after you join. Then when other cards you apply for see your limit they give you a higher limit also. The jewelry is not the top of the line. However it helps your credit score go up, and get higher limits on other credit cards.
Also, a good resource is…
http://www.safelinked.info/jump.php?link=debt
All the best to you.
If you still have a credit card, pay the balance in full each and every month for 3 or 4 years and your credit rating will improve. Good luck.
There are companies that can repair your credit in one year. It’s not free but apparently it works. Do some research if you are ready to make that investment. It’s worth it if you intend on borrowing money in the next couple years.