Check out my answer to your identical post in the main forum :-). If you want to read an article I wrote about how to build credit from scratch, this might help you get started in the right direction: How to Build Credit from Scratch
Editor's Update: Here are the secured credit cards we recommend, which are known for higher approval rates for limited, poor or no credit: http://www.creditnet.com/credit-card...d-credit-cards
Last edited by Logan Abbott; 07.07.2013 at 11:09. Reason: Update
Hey lovingmom! Did you find my response in the main forum?
Another way to build your credit is to have a family member or friend add you as an authorized user to one of their existing credit card accounts. Just make sure the card has at least 2 year old of perfect payment and they are able to maintain a low balance on the card (20% or less of the credit limit). If you don't follow these guidelines, the authorized user account could hurt your score instead of help it. You could also get approved for a secure card or a Capital One or First Premier credit card. Hope this helps! Heather with BoostMyScore.NET
For past/future forum users interested in building credit, secured cards are the ones you're most likely to be approved of. Here are the ones we endorse as worthwhile (and credit-building) on Creditnet: http://www.creditnet.com/credit-card...d-credit-cards ... But you'll also have good luck walking into your local bank or credit union and explaining your situation, too.
I find the First PREMIER Bank Credit Card is instant approval credit card you can get immediate reply within 60 seconds after applying online.
Bank of america has a secured line that you will be approved for certainly! Future lenders will look closely at your relationship with this particular account because of Bank of America's reputation. You can leverage this by utilizing no more than 50% of the credit amount and paying on time for (at the very least) 6 months without fail. This will most certainly broaden your credit options with other lenders.
It's not a card, but Azuma Leasing for fridges & washer/dryer posts to your Equifax account as an installment account, which diversifies your credit. I saw my score go up a few points when they reported to my report.