I REALLY NEED HELP RE-ESTABLISHING MY CREDIT. I'm starting over. I haven't had any credit for over (10) years

[tinachastain22]

Hi there everyone, I need advice on how to get started again on building some credit for myself. I faced some catastrophies several years ago and everything went in the toilet. I had a boyfriend before that for many years, who controlled the finances, so I didn’t realize the importance of establishing my own credit. I’m more than happy to start at the bottom and take baby steps, but I don’t have a clue where to start. I think, I need a secured card to begin with and build from there. I can’t afford much, as I am on a limited income, currently. However, that won’t be the case forever and I want to start building a foundation.

Anything you all can recommend me will be most appreciated. I thank you in advance.

Sincerely,
Tina C.

[williamakr]

hey

secure card is a safe and good choice, but most importantly is using your credit and paying it on time each time you buy anything just pay it so you won’t forget, if you do forget there is options for auto pay that can help you. also if you have a wifi bill or any kinda bill that you started on your social will help build your credit.
if you have a bank account ask the bank (if they have CC) to give you the secure card this will help you will paying on time.

of course try not to apply for alot of offers in the same period, space them out like 4-6 months

Good luck.

[Bev]

@tinachastain22, To add to what @williamakr said, you might also want to check out getting a “credit-builder loan,” which is what its name implies. For many, no credit check is required.

This article also discusses ways to get back on the credit radar.

Good luck to you!

[successfulstones]

When getting a secured card, make sure to check that it can convert to an unsecured card after you have established a good payment history. Also look at banks that will do automatic reviews and increase credit limits with good payment history.