>Apply for a no-credit check and no credit required auto loan >Sorry, we cannot give you a loan at this time due to no credit
I cannot stress to young people out there how important it is to build credit. Having no credit fucking sucks. You can't do a fucking thing and no one will give you anything. Even credit building credit cards deny you. I can't lease a car, I can't get an apartment, I can't get a loan for anything. The only hope I have of getting anything is saving up enough money to fucking buy everything outright and none of that builds credit either.
Seriously, establish some form of credit while you're young or you're fucked when you're older.
Just get a low limit credit card, couple of hundred dollars at most. Buy a food shop or petrol tank a month on it, then pay it off immediately. Builds credit really well if you go into each month with no debts, and builds up quickly.
Grayson Miller
>Just get a low limit credit card, couple of hundred dollars at most. Tried. None will give me one. Even one where you can put a $500 deposit on it. Nope. Even through my own bank, which can see my paystubs come in.
James Lewis
Op I am 22 with no credit. Got denied for a basic credit card with a good approval rate. What should I do? Should I apply for the rebuilding credit card or w.e it’s called the one where you put your money?
Ryan Scott
That's by design. Fiat economies are dependant on an ever expanding debt base. There is a deliberate push to make owning your own things and living without debt impossible.Your children will have to take out loans to eat.
Adam Rodriguez
You need a cosigner. Without that, you won't get approved for shit. That's how you build credit.
Asher Cruz
>Be American >Literally judged by how much money and interest you've given to Jews At least you have your freedom though... right?
Gavin Morris
Credit isn't a bad system. It's just an utter pain in the ass to get it started.
Benjamin Howard
Especially since most places and companies don't report when you're paying your bills on time. They only report when you're late or stop paying.
Kevin Jenkins
It sounds stupid, but go to your bank and see if they will swing a signature loan for you, around a couple hundred bucks. If they will, make your payments on time, and that helps. I did a signature loan with a place called Security Finance, and would just keep rolling into a new loan for like 2 years. I was loosing money on it, but it let me get a car loan. A common misnomer is that you need a credit card to build credit, when all credit really shows is a steady history of making payments on time. A slower way to show this history is to have bills like utilities in your name, and make your payments on time.
Carson Wilson
I don't know about all of the stuff I am reading ITT but I have only had my CC for a couple years now since I was 25 maybe? I keep the balance low, always pay it off on time, never more than gas or a few drinks or other small stuff so less than ~150 a month.
I only checked my credit score once but it was well over 700 in the 800s I think which I supposed to be pretty good.
Jaxson Perry
You do realize unless you live in one of the six or so countries not being robbed by a banking cartel that you operate under precisely the same conditions? Without the freedom, of course.
Landon Roberts
OP is lying. You either haven't worked consistently or have negative marks on your credit. Literally no one will deny you from a credit building card with a deposit.
Thomas Thomas
Lol it's not just in America dipshit, money makes the world turn
Isaac Jenkins
>Be me >Don't have to rely on tips to live >Don't have to have my "credit" checked to rent an apartment >Don't have to have my "credit" checked to drive a vehicle >Don't have to pay ridiculous fees for medicine or a doctor's visit Man, I sure wish I was an American.
Ryan Mitchell
Nice backpedal, want to stick to your original idiotic point about interest and Jews before regurgitating some more tired old talking points?
Gavin Foster
Or learn how to live within your means, and stop feeding into all that shit.
Isaac White
As an American who has lived 27 years and never had to do any of that allow me to call you stupid.
Camden White
>Don't have to have my "credit" checked >has to pay 6 months rent up front >Don't have to have my "credit" checked >gets gouged and overpays for car >Don't have to have my "credit" checked >the healthcare meme again
Isaiah Long
Be American, have the best healthcare in the world available to me. Feels good man.
Nicholas Harris
Whyyy
Sebastian Thompson
Or you could do it the right way and pay cash for everything. If you want something, save up for it. If you can't afford it, you don't take a loan out to buy it. Having to finance any purchase means you can't afford it. Also, money isn't free. You end up paying a lot for anything you finance than if you had paid cash.
Xavier James
so easy to tell how underage you are
Caleb Cox
HAHAHAHA. Get hurt. You'll see. I thought the same thing when I was a kid. We can't handle shit for healthcare and everything is a run-around wreck. Even with insurance you'll go broke over a $5 bag of saline that now costs $900. Go through 3 of those plus the other costs and you're fucked. Payment in full, pls. Right the fuck now. ...and thats just the one visit.
Henry Hill
Dont forget inflation, also an intentional feature of a fiat economy that punishes cash saving. When you save money you lose purchasing power over time compared to banking it and paying on credit/debit.
Daniel Russell
It's not about being black, dude.
I've got a $15,000 credit card and a $2,600 credit card with near-perfect credit.
Home loan denied.
Did I mention I'm white?
Jayden Allen
If you can, get an unsecured credit card. You may need an account at a bank and they will be more lenient to let you have your first credit card.
If needs be, get a secured credit card, and then migrate to an unsecured credit card as soon as possible.