Sphlinkette asked:


I have established credit however, currently the only items that are open on my credit are my mortgage, student loans, and a credit card with a SMALL limit! All other items are either paid off or charge offs. Other than paying my open stuff on time what can I do to improve my credit score?

Rodney

Doug G asked:


I’ve opened a few credit cards lately, but don’t plan on using them, only for emergencies. Will just having 4 or 5 credit cars available for my use somehow hurt my credit score, or credit in general for future loans I might want?

Karl

twitchddragyn asked:


I’m 22. I don’t have any history of credit. (No credit cards, loans, etc… Nothing.)

My friends told me that they all started building credit by opening a student credit card from Chase, the ones with a 200 dollar limit.

I tried to do that but actually got denied. They said that I have “too few accounts open to resolve credit.”

So how do you do it?
Okay, I will try citibank, thanks.

Also, I already have a checking account open.

I do not have a cellphone or any other type of bill like that under my name, though. I mean, I don’t have a cellphone period, haha. I don’t want one.

Also, I would never use a credit card unless I could pay it off immediately, of course. That was my plan.

Viola