Tagan H asked:


im just starting out trying to establish good credit i already have a auto loan and two credit my question is after reading other people comments about not using up not more then thirty percent of your available credit line on my first credit card my limit was hundred and fifty dollars and i would use the full amount every month but would never go over the limit im wondering sense i used a hundred percent of my available credit will that hurt my score????@? ive had thecard for six months now and they have moved my limit to five thousand dollars is that a good sign???@

Eric

David asked:


I want to learn about all the factors considered when a credit agency determines your credit score. I do not have any credit and would like to establish some credit. I do not have any bad credit either. I have already tried applying for a credit card, dell computer card, sams card, and have not been approved for anything.
I do not have any bills that are under my name. I was told by someone to go get a tv or something with no money down, but I do not need any of that. I also do not want to go get a loan and end up paying interest for no reason. I have seen several websites which give some info about this, but not enough. Can anyone give me any suggestions or recommend a book?

Tom

maeganana asked:


The only credit type thing I have is my cell phone. And I want a credit card to help establish my credit, but I don’t want to apply for a bunch and be getting denied.

Janet

Ultimate Guitar Hero! asked:


I have terrible credit!! The only card that I am able to sign up for is a pre-pay card where I basically borrow my own money. I need to establish good credit somehow any suggestions?

Pamela