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You need to wait another 6-12 months. Join a credit union. Deposit your 10000 in an account and take out a 'share secured loan' for 5-10k. that is a loan
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08-12-2012, 06:16 AM
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#11 (permalink) |
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The370Z.com Sponsor
Join Date: Jun 2009
Location: Loganville, GA
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Drives: 370z
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You need to wait another 6-12 months. Join a credit union. Deposit your 10000 in an account and take out a 'share secured loan' for 5-10k. that is a loan that is covered by your deposit, you need to keep the amount you owe in the account, as collateral. You will get the loan even without having credit, because you have the money in the account. Pay it back in even payments over 3-4 months. That will establish credit. Also, talk to the credit union manager about getting a credit card and use it lightly, but pay it off each month, on time.
Those two steps should get you started with a credit file, and then, you can probably get a loan through the credit union also.
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