NEED SOME CREDIT ADVICE PLZ?

IM 19 ABOUT TO BE 20. AND I HAVE NO CREDIT. I TRIED CREDIT CARDS,STUDENT CREDIT CARDS, CREDIT CARDS FOR PEOPLE WIH NO CREDIT, I TRIED MY BANK, I TRIED GET A CAR IN MY NAME EVEN WITH A CO-SIGNER THE DENIED ME. WTF IS UP HOW AM I TO ESTABLISH CREDIT IF EVERYONE DENIES ME. I THINK IM THE ONLY ONE THAT THIS IS HAPPENING TO EVERYBODY I KNOW GOT APPROVED FOR SOME TYPE OF CREDIT CARD BUT NOT ME.NEED SOME CREDIT ADVICE PLZ?
You need to stop applying for credit. When you have no credit, you have to start by having secured credit.



Go to your bank, ask them if they have a unsecured credit card, deposit $300-$500 dollars into the account. Use the card each month for small amounts, and make sure and pay it off in full each month.



You can also get a savings account and save until you have a thousand dollars, get a installment loan against the account with the bank. Repay the loan in 12 months.



After a few months of using the credit card, try to apply for an unsecured card. Gas and store retail cards are normally easier to get.



It will take 24 months of consistent on time payments to establish a good credit rating.NEED SOME CREDIT ADVICE PLZ?
Applying for too much credit can negatively affect your credit score. If you applied for all of these things within say 12 months that could be why you keep getting declined. You should also take a look at your credit report and make sure there isn't anything on there that is incorrect that could be negatively affecting you. Good luck.
The problem is that you are applying for credit too much. As long as you continue to apply for credit several times each you, you will continue to be rejected. To be approved eventually, you should wait a year after each application before applying again.



Also, for your first credit card, you should deposit money at a bank that offers ';secured'; credit cards to depositors without credit and then obtain a ';secured'; credit card from that bank. You do not need to have credit to obtain a ';secured'; credit card. After you have established credit using your secured credit card and have not applied for credit for a year, then, and only then, apply for one, and only one, regular credit card.

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