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Free Annual Credit Report Posted by Bill Homer [Email] ![]() ![]() In Reply to: Re: OT - Credit Question, steve, Tue, 25 Nov 2008 09:50:28 Members do not see ads below this line. - Help Keep This Site Online - Signup |
under the rules of the Federal Trade Commission (FTC), you are entitled to one free credit report per year from EACH of the three major credit reporting companies: Experian, Equifax and TRW. Get a report for yourself and take a look. Do not sign up for one of the many "credit monitor" services, these are a waste for someone in your position (i.e. scam).
I doubt that your use of your parent's card will show up on your credit report, but it's worth checking; an analogy is that my kid's cellphone is part of my account, is on my bill and I pay it. To establish your own credit, you may want to get your own card - AND KEEP IT CLEAN, paid on time, etc. You do not need to start with an Amex card, there are plenty of "free" (no annual fee) bank cards, i.e. Visa and MasterCard, which are generally more widely accepted anyway. If you can't get a bank card, start with other cards such as gasoline cards and credit cards for stores that you frequently shop at - they are generally more lenient about giving out cards, less risk for them, more potential reward if you frequent their store.
posted by 12.151.249...
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