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Ask your parents to make you an authorized user on one of their cards. 

rated:
qcumber98 said:   Ask your parents to make you an authorized user on one of their cards. 
  To assume he/she is under 18 would mean they joined FW when they were 6 or 7 years old.

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veckle said:   
qcumber98 said:   Ask your parents to make you an authorized user on one of their cards. 
  To assume he/she is under 18 would mean they joined FW when they were 6 or 7 years old.

  Why would anyone wait that long to join FW????? Maybe we need a FW for toddlers forum.

rated:
veckle said:   
qcumber98 said:   Ask your parents to make you an authorized user on one of their cards. 
  To assume he/she is under 18 would mean they joined FW when they were 6 or 7 years old.

  I was asking for my child, I want to build up credit quickly.

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oursignup said:   
veckle said:   
qcumber98 said:   Ask your parents to make you an authorized user on one of their cards. 
  To assume he/she is under 18 would mean they joined FW when they were 6 or 7 years old.

  I was asking for my child, I want to build up credit quickly.

 
Then yes, make them an AU on a few of your cards. If you have some that are moderately old, they may work better than your 20+ year oldest lines. I'd go with some 3-6 year cards if you have any.

But you can also get them their own secured loan or secured CC whenever you want. When I was 18 I got both and neither even ran a credit check.

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BradisBrad said:   oursignup said:   
veckle said:   
qcumber98 said:   Ask your parents to make you an authorized user on one of their cards. 
  To assume he/she is under 18 would mean they joined FW when they were 6 or 7 years old.

  I was asking for my child, I want to build up credit quickly.

 
Then yes, make them an AU on a few of your cards. If you have some that are moderately old, they may work better than your 20+ year oldest lines. I'd go with some 3-6 year cards if you have any.

But you can also get them their own secured loan or secured CC whenever you want. When I was 18 I got both and neither even ran a credit check.

As a parent, I'd prefer Amex cards if you have any because you can limit their spending if you actually give them the card.

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Do we meet are the requirements to apply for and obtain a heloc?

I am looking online at our truecredit reports and scores and this is the information I see:

DH has a reported monthly income of $7500.00
and a reported monthly payments of $3397.00.
I have $8952.00
Payments are $3350.00
$461,843 is our debt on our credit reports, except that it is incorrect because we had a foreclosure and no one ever reported it tor credit report.
Less $177,000.00 is our correct debt: $284843.00.
The bank bought the house back from us in December of 2011. Will the lender report to someone about this  foreclosed loan?  It stopped reporting a few years ago but is still showing up under mortgages...
Or do they just do a quick check to look for bad credit?
Our scores are: 958A
Spouse: 896B/891B/891B

TIA!

Our credit scores are

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dima0474 said:   
 

  

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How do I start? hehehe how this it work?

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