Things you can do to build credit when you don’t have credit.
1. Go to a bank or a credit union to apply for a secured credit card that’s about $300. Use it ONLY for items you already need, not for wants. The pay half down immediately. Then make payments on the rest and time it to have it paid off within about 3 payments.
2. You can also go to credit.com and open up a secured card for about $250. The important thing here is to not use the card, just pay down the activation fee.
3. Pay your bills on time. In fact, if you pay your bills before they are due, you will have a higher score.
Ben was so great to work with on our refinance. He went above and beyond to make sure it was done right and that everything was in place. We would highly recommend him to anyone.
Ben worked with us when we were buying a home and I was particularly impressed with how quickly he always responded, even at odd hours. He was a pleasure to work with and we have already recommended him to friends.
Ben was courteous, professional, and knowledgeable. He had our best interest at heart through our entire home buying process and never pressured us. I would recommend him to anyone who is looking to buy or refinance a home.