How to Build Credit from No Credit in 6 Easy Steps

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If you’ve never had a credit card or a loan, your credit history is most likely a blank slate. Your credit history, as documented on your credit report, is a record of how responsibly you’ve repaid money you’ve borrowed.

Creditors and lenders use your credit history to make decisions about whether to give you a credit card or extend a loan. However, if you have no credit history, there’s no record of how you might manage debt. As a result, many creditors and lenders won’t lend you money.

It may seem like an impossible loop, but there are ways to build credit when you have no credit. Here’s how in six easy steps:

1. Get a secured credit card.

A secured credit card is just like a “regular,” or unsecured credit card, only you are required to put down a security deposit – typically $300 to $500 – to provide assurance to the creditor that you will repay your debt. Your credit limit is often the amount of your security deposit, or a percentage thereof.

Many people confuse a secured credit card with a debit card, however the two are very different. First, banks do not report debit card usage to the credit bureaus, as a debit card is not an extension of credit. A debit card is merely a convenient way to access the funds in your bank account.

Creditors, on the other hand, do typically report secured credit card activity to the credit bureaus, as a secured credit card is an extension of credit. Your purchases are not deducted from your security deposit. Rather, each time you charge something, you are effectively borrowing money from the credit card company and are obligated to repay that debt. As a result, how responsibly you use a secured credit card will affect your credit score – both positively and negatively.

2. Only charge what you can afford to pay off in full.

Building credit means consistently demonstrating your ability to pay back any money you borrow. Your goal is to prove to creditors and lenders that you can responsibly manage debt. That’s why it’s smart to start small – only charge purchases that you can afford to pay off in full every month.

Unfortunately, it’s not enough to open a credit card – secured or otherwise – and sit on it. If you don’t use your credit card, you’re not demonstrating anything. Use your card at least once a month for small purchases like inexpensive meals, gasoline and drug store essentials. Try to not charge more than 50 percent of your credit limit in a given month however, as that can take a toll on your credit score.

3. Pay on time every month.

The most important thing you can do to build and maintain a good credit score is paying all of your bills and debt obligations on time every month. Even one late payment can significantly damage your credit score, especially early on.

4. Avoid applying for numerous accounts.

Each time you apply for a credit card or loan, your credit score takes a small hit. And there’s no point to chipping away at a credit score you’re trying to build up, especially when you haven’t yet demonstrated that you can handle just one credit card. Instead, use that energy to prove to yourself that you can keep the balance low on one credit card and pay the bill on time every month.

5. Check your progress by checking your credit report and score.

After six months of timely credit card payments, check your status by viewing your credit report and score. Pay special attention to what is on your credit report and any positive or negative factors listed, so you have a better idea of what you need to work on next. Also make sure to take a look at your credit score – it will help you make sense of your credit report and give you an idea of how well you’re doing.

6. After a year, apply for an unsecured credit card.

Twelve months of timely payments should be enough to show your credit card company that you can responsibly manage debt. Now’s the time to give your creditor a call to see if you can make the switch from a secured credit card to an unsecured credit card. An unsecured card frees you from your security deposit obligation, will likely carry a higher credit limit and may offer useful perks like reward points.

The key to building credit is patience. Remember that having a good credit score is like having the world’s best coupon book for all the biggest financial transactions in your life. It may take time to establish good credit, but once you do, you’ll reap the benefits of big savings.

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For more tips and tools to help you manage your home, money and credit – including the most affordable credit monitoring on the web and complete identity theft protection – visit Quizzle.com.

More from the Quizzle Wire:

  • Suzie

    What banks offer a secured credit card?

    • samm

      Almost every bank offers a secured credit card. It’s best to try the bank that you bank at first. Also, CapitalOne offers a secured card with a low minimum. Pnc, TDBank, and Wells Fargo are some of the banks that offer this card.

  • Dana

    Orchard Bank & First Premier both offer secured cards and their terms are reasonable. You may even be surprised to find out you may qualify for an unsecured card. I used them when building my credit history/score and was pleased with them.

  • Constance

    A lot of your local Banks will offer you secured credit cards.This is a great way to build your credit. Also, if you are in the market for a home purchase a year after the secured credit card through your local bank, they have records of payment and are more willing to do a mortgage for you.
    Good Luck!

  • Ann

    if you done a bankruptcy in the past, can having a secure credit card help…or should you wait the 10 years again?

  • Jeremy

    The advice to pay the card off every month is idiotic. You should carry a very small balance on the card at all times to better show long term credit utilization. Not many of the advise columns will tell you this, but I tell you it and have the credit score of 807 to back up how good my advice is.

  • Denise

    Check Bankrate.com for a list of creditors that offer secured credit cards.

  • eddie

    The 10 year rule on a bankruptcy is true, however, what they never tell you is that after the bankruptcy, you will eventually start to get credit card offers. Why? Because, by Law, you can’t file bankruptcy again for another 7 or 8 years. Creditors know that. Now that bankruptcy has wiped the slate clean, some are willing to give you a second chance. No, you will NOT get a great rate but you don’t have to wait 10 years either. Also, as long as the bankruptcy has been adjudicated for one year, you CAN get a mortgage. Again, don’t expect a good rate but you can get one with a very good down payment. It may be more difficult now as a result of the foreclosure debacle. It’s tough enough getting a mortgage now even with “golden” credit. Bankruptcy is not the end of the world. The law is there for a reason and businesses use it all the time. Never understood why they make consumers feel like criminals if they choose to file bankruptcy. Even the change in the bankruptcy law affects ONLY consumers, not businesses. Totally unfair.

  • Gimme

    Jeremy, can you elaborate please? I always pay off my card. Had my card for 18 months ($500 limit) and that’s the only thing in my credit history. Can you give a url of an article explaining your theory? Thanks

  • Justin

    Eddie. Don’t stop building your credit just because you filed for bankruptcy. Get a secure card and start using it…responsibly; pay it down each month and keep no more than 25% balance on it from month to month. Obtaining no credit for ten years after filing will only harm you as you will have no new “post-bankruptcy” credit when it comes time to try and get a car or home loan. I filed in Jan 2005, had my Chapter 13 discharged in 2008 and have built my credit back up to the mid 700s. Yes, the bankruptcy is still showing in my reports but I have also proven to creditors that I have become fiancially responsible. Even if you get a horrible APR, keep a very low balance from month to month and it won’t really matter, the high APR is worth it in the long run to help build your score back up.

    • Evelyn

      How did you get your bankroptcy discharged before your five year mark. I would like to have my bk discharged soon. I filed for bankruptcy in 2008 I was told it will not be discharged untill 2013 which will be a total of 5 yrs. Please share any information that will help my bk to be discharged sooner than 2013!!!
      Thank You,
      Evelyn

      • Tom

        A chapter 13 bankrupcy can be discharged as soon as the terms have been caried out. If you have a hundred thousand dollars in unsecured debt and the Trustee aranged a five year plan to pay it in full but you pay extra and it is payed off in 3 or 4 years it will be discharged then.

  • Confused

    HI I need you input, I had few accounts in collection and now ive closed them all its been about 8-9month since I did that. My credit score is 627 and has not changed. I have an unsecure card (moved from a secure card) and also have an auto loan. All payments have been made on time for those. I have no outstanding negative accounts. How can I increase my score. It almost seems like its stagnant!

  • Pam

    My credit score is also over 800 and improving it takes more than just owning one credit card, you need to diversify that use of credit by having a mix of credit…like car payment or personal loan, mortgage but they do not need to be huge loans… I always pay off my card each month but I also use it each month. Don’t be afraid if you have had your card for a while to call ask them to increase your limit. Be aware though that because companies have gotten tougher on lending, that may prompt a review of your account and they may lower the amount. Having just one thing in your credit history really doesn’t show them what it takes to make your credit score jump. Try looking at the 3 credit bureau websites for more info…

  • Nina

    Hi, i have 4 credit cards that are still being unpaid for. I did not have a job and tried to support myself in college. All of those credit cards have been given to debt collectors. I just found a job and can make payment now. Are there any advice on what i should do? Also, do you know of any credit cards where i can apply to rebuild my bad credit? Thank you

    • Leslie

      Hi, Nina,
      I had many debts I couldn’t keep up with. I went to a debt relief company. They helped me deal with these debts. Now, all the credit cards are paid off. If you are interested, I can give you the name of the company. I am very happy with their help thru this terrible time. Or, you can make arrangements with each card and pay them off. Your choice.

  • Mia Lawrence

    Nina,
    If you can contact those collection agencies, a lot of times they will settle with you. They may also set up payment arrangements, but please make sure you pay with a money order, never a check. If you pay your payments by check and miss a payment, they can and will freeze your bank account. I hope this information helps.

  • karmella smith

    I have been a victim of identity theft for a few years now. Plus, my ex-husband stole money out of my purse the last two years of our marriage that were for my truck payments, causing me to send it back as a “voluntary repo”. Making my credit crap all over again. I paid one vehicle off and was starting on this one and four years of a five year agreement, I had to do what I thought was the right thing and sent it back to the finance company. How can I now, get my credit back up if people won’t help me prove myself again. I have the income but not the credit except “bad”. I need help.

  • Nate

    I have a few 30 and 60 days late, but they were about 6 years ago. I have a credit card that I charge about $1000/month and pay off completely every month. I owe about $5000 on my car and make my regular payements, and about $12000 in student loans making all those payments. My credit score is 643 and does not ever go up. Do you have any tips for getting my score up quickly such as concentrating on paying off my truck or student loans or more credit cards?

  • John

    I disagree with Dana (May 2, 2010) about Orchard and First Primier. Even if you have a zero balance, they still charge you a monthly maintenance fee of 8.00 – 10 dollars on a zero account balance so you are always paying them. Also they charge you an upfront fee of $175.oo on a 250.00 secured credit card. STAY AWAY. Instead go to Bankrate.com and look up unsecured credit cards there. If possible try one of the banks that offer secure credit cards with your deposit and won’t charge you the $175.00 up-front fee or the monthly maintenance fee. Use Orchard and First Primier on a VERY last basis.

    • Darlene

      I currently have an Orchard Bank CC and they never charged me $250.00 or $175.00 upfront they charged me a normal fee for opening the acct. of $59.00 and they have never charged anything when I didn’t use the acct. I had to correct your post John.

  • helen

    you can also borrow money from your local bank and ask to take out a one year cd for that loan amount that will be the banks security. put cash in a savings account each month to cover the loan and have the loan amount deducted every month. you’ll have one full year of paying on time plus you’ll have saved the amount that you have in your cd

  • Jeff

    Nate, I had the same problem with a stagnant score despite paying all my bills on time. The outstanding student loans are the culprit. I found this out while talking to a lender when I tried to buy my first house after I finished graduate school. Your score will never budge until you get them paid off.

  • Ken

    I read several comments and they have some good answers. I want to express to all to save real cash, gather a little Gold and silver and use Credit cards wisely.
    Why do you think you see so many commercials and signs saying “we buy your scrap gold” you can bet most who fall for this dont know the daily price of an oz of gold.
    Gold and Silver are REAL currency,,,look at the world system the Euro,, the falling Dollar.
    In 2004 I bought a Gold 1 oz coin in a pawn shop for $437.00 today that coin is worth $1200.00 – no stock has that increase in the same time frame.
    We all know the manipulators on Wall Sreet and in Big Banks want control and are resposible for our cirrent economy.
    My coaching would be – Have $1000. emergency cash before charging $ 1000.oo credit cards debt. Have savings instead of new electronics or cars or anything else.
    Plant a garden- Have some Food and Water stored for emergencys.
    Just a bit of wisdom.
    Thanks

  • Jae

    I have been in financial ruin for about 5-6 years. After getting divorced from a man that failed to pay bills and lied about it, and opened joint accounts in my name post separation, I had numerous accounts go to collection because I couldn’t afford to pay them. Recently, about 18 months ago, I pulled my credit report at annualcreditreport.com, organized all of the people I owed money to, and called them up one by one and asked them to work with me. It has taken me 18 months but I’v paid off $9,843 simply by calling up the creditors and negotiating a settlement with them. I chose not to use a debt consolidation company because I would have had to enter into an agreement that would have lasted upwards of 3-5 years and pay a fee for their service, when I did it all on my own. I’ve ordered a secured credit card and am now working on rebuilding my credit. This may not work for some people, but it worked for me.

  • shon

    I have two credit cards with orchard bank. Just applied for premier for 700.00 and yes they are going to take out 175.00 Im only getting this to rebuild my credit on top of a bankruptcy which is five years old. I do have some other accounts im paying off like fingerhut. my score was just up in the high 600′s and something just made them go down, was it because i did an investivation on something on my report. Something new was just put on there which i paid off right then and there, they said it would not be on my report and now it is can i cal them to have it taken off.

  • Simply Deb

    I opened an account with Ochard in 7-07 in 9-07 I had a car accident, I haven’t worked since. But I kept up on my payments never missed a one. In Oct last year I was going to have surgery on my broken collar bone, so I called Orchard & told them & asked if they would please hang in there with me & I would get back on line soon. They said yes, two times I called & they said it was ok. So I had my surgery & in Dec. I was placed in collections!? so in Feb. I paid off the account & closed it. They lie! & almost ruiened my credit “BAD ORCHARD BANK BAD”!!!!!

  • Rusty

    I was devorced in 2003. In the devoicre i was orderd to quit clam deed the house to the x. I was told by the judge that i would not be hold liable for the payments. The x is about 5,000 dollars behind and morage company is started forcloser. this in on my credit report and they will not take off because both of our names is on the morage. She refused to refinance. I have payed off two new vehicles and have two credit cares which i pay off every month. I did file bankruptcy in 2003. My credit score is 597. I was told that my low credit score was manily due to home forcloser. With out the home forcloser it would be in the low 700. I have worked hard to correct my score and the x knows the house is screwing my credit. Does anybody have any help?

  • angela

    you must did not do something right it should have recorded at the local deeds office you should consult an attorney. When you quit claim you should have given her the responsibility. You can also contact the major credit bureaus and submit a statement that will show up on that foreclosure. And everyone who pulls your credit will see your statement. And Rusty please believe everything someone do ugly towards others they get it back…….. some way a lil bit later……

  • Sue

    I recently paid off an auto loan and a jewelry store loan. I have two credit cards that I pay off every month and that have low limits(Orchard & First Premier) . Premier has too many charges, but I opened because I needed to build credit. I’ve paid off two secure “credit builder” loans with my credit union. My score stays between 575 & 600. Thought paying the auto loan off would lift it. I also have student loans in deferment status. All I can think of is that the high balance of the student loans is what keeps my score down. It’s like being stuck in a sand pit. No matter what you pay off, the score never goes up.

  • Mike

    Hello Everyone,
    Ok here is my question(s)… we hav past debits that we are unable to pay (large hospital bills not covered by insurance) and they just keep getting sold from one collection agency to another… will these eventually fall off from the original date the debt was incrued? or does the proverbial clock start over every time they are sold to another collection agency? Also what about the charge offs? do they fall off ? even if we pay them?
    Thanks,

    Mike

  • Dianne

    how do I get started, I am purchasing a house (rent to own) I was paying $1200. a month for ten years, he would also pay taxes and insurance on the house for ten years. because of some income lost I refinanced my house to pay $800. a month, for 15 years. What I want to do is borrow $160,000.00 with this money I want to have a clean slat in my credit report. and remodel my home to have it generate an income of $650.00 to $700.00 by making it a two bedroom apartment in the basement. because of divorce and stupidity on my part my score is only 540. How would I and who could I borrow money from to do all this. thanks Dianne

  • Gina

    To all those whose credit score doesn’t move – check your credit report to see if there is any in collections. Then check to see the ratio or debt to income. Next, check the balance on your card. If you have a $300 limit, make sure you have $30 or under only on the card. Paying it off completely doesn’t help your score as much as maintaining a small balance. Don’t go over 30%. What is your total debt? If it is too much, your score will lower. Anything in collections will drastically reduce your score. Pay the original creditor, not the collections agency. Then dispute the collections agency. Make them delete it off your credit.

  • Norma

    I have been paying for a vehicle in my soon to be exhusband name because he had the better credit. Now I still have about 36 payment left on the vehicle. My credit score right now is 592 and my chapter 13 payments will be completed in about 10 months. How should I go about getting the vehicle transfrerred into my name, and raising my credit score.

  • Timmy

    I have some debt that was charged off. I accepted the settle agreement and paid what my creditor said to pay and then they would consider it satisfied. I have 2 of these on my credit report. Can the creditor ever come back and collect the remaining funds? If I were to pay the amount they waived, then would they change the status from charged off to fully paid? Or, do I just accept the mess I got myself into and not make the mistake again?

  • Judy

    I recently went to get pre approved for a mortgage and was told that I need three things showing credit history. I have been employed with the same employer for six years. I just have one credit card now for 3 years six months. I was denied for a personal loan at my bank. They said not enough credit. I have alot of savings and did not need the loan. I just wanted it to improved my credit score and start to add to my credit app. Can someone tell me how do you build credit. I have one credit card which is pay as agreed for the last 3years and six months.

    • Larry Charles

      In this sense, I bet they are looking for more significant credit. For example, do you currently have a car payment? This is proof of you financing a significant amount of money (15,000 or more) and paying every month on time. This is something that actually looks good on a credit report. I imagine your credit history is missing something like this if you have a good job, and an open credit account but not enough “credit”.

      • Lawrence

        Hi Judy. I read that you have a lot of savings. Credit Unions will allow you to take out a shared secure loan. This is a loan where they will allow you to borrow against how much you have in savings. For example if you have 1000 in savings, you apply for 500 or 1000. The credit union will lend your money in the form of a loan. These loans have very low interest rates and the credit union will send this loan to the credit bureau. It is an excellent way to build credit. Also your 1000 will continue to earn dividends until the loan is paid back.

  • tjpnnu

    i am 1 month and 2 month late payment for my cell bill,and i moved from BC TO ON and had shaw internet and when i moved i sent there modem along with my house hold things in truck. when i came to ontario i called them and gave them my new phone # and house address if any pending payment is there and told them i will send there modem.i never got any call or letter stating that if they have’nt receive modem,they give give it to collection agency.one day i checked my credit history and was surprised to see that they gave my account to collection agency and my credit score went down from 785 to 635.i called them and asked that i haven’t receive any letter for collection and made the payment in full for modem. CAN ANY ONE TELL ME HOW MUCH TIME IT TAKE TO GET BACK AS IT SHOWS ONE COLLECTION AGENCY ,AND TWO PAYMENT DELAY FOR MY CELL BILL.I HAVE 2 CREDIT CARD AND THEY INCREASE MY CREDIT LIMIT FROM 1500 TO 5000 AND ANOTHER FROM 500 TO 1500 AND MAKING PAYMENT ON TIME .I WENT FOR MORTGAGE AND BANK DECLINED DUE TO THIS.ANY BODY CAN HELP ME HOW MUCH TIME IT TAKE TO GO FROM 635 TO 785 SCORE

  • pablo rodriguez

    if I have an anaccure information in my credit report and I fix it with the creditor,,,,,I have to inform to the 3 credit agency about that,,??? or inform one of them will be more than enough??

  • https://www.quizzle.com Ann-Marie @ Quizzle

    Hi Pablo! You were smart to start with the creditor, as they’re likely the source of the inaccurate information. If you’ve corrected the problem with them, they should now report accurate data to all three credit bureaus. However, you should check yourself just to be sure.

    You may want to wait about 30 days for the accurate information to be reported, then check all three of your credit reports. If you still see the inaccuracy, dispute it with the credit bureau that has the erroneous information. If it’s all three, you should dispute it with all three. Good luck!

  • http://freeldssheetmusic.org/choir-arrangements roger

    My question is…is it good enough to charge my credit card say $1 a month, and pay it off, to get the most benefit, or do I need to charge it more?
    -roger-

  • http://hawaiirealestate101.com Ed

    Roger,

    I’ve done a LOT of research on how to optimize one’s credit score.

    To answer your question, ideally, you want the credit card company to report 1-2% utilization to the credit bureaus. The amount reported is the statement balance on your monthly statement.

    For example, if your credit limit is $1000, 2% is $20. Let’s say during the month, you’ve accumulated $500 in charges. Before the statement closing date (not to be confused with the payment due date), send a payment of $480. I recommend sending the payment 7-10 days before the statement closing date to ensure that the payment gets posted in time. This leaves a balance of $20 when the statement period closes and that’s the amount that gets reported to the credit bureaus. Then pay the remaining $20 balance before the payment due date. Now you are paid-in-full and will not incur any interest charges.

    Following this practice will maximize your credit score. Having said that, it should be noted that it’s not necessary to keep it at maximum levels all the time. The critical time in which you want a maximum credit score is when you’re about to apply for credit, ie a home mortgage, a car loan, another credit card. If you anticipate applying for new credit, then I’d start the payoff strategy I described 3 months beforehand.

    I hope that helps.

    • http://quizzle Tracey

      Hey- how do you calculate or know the statement closing date?

  • http://quizzle.com Keith

    For nearly 2 years now I have been in the process of Rebuilding my credit due to Unemployment and a near fatal car accident and have been most successful (+150pts). I have found that the best way to begin the process is to start with Secured Credit Cards (I used a few different ones – Wells Fargo{Best choice as it transfers over to Unsecured}, New Millenium, Applied). For the most part they were small credit limits $200-500 each with both Visa and MasterCards being used. As well I had a CD Secured personal loan from my local Credit Union (reported to all 3 Bureaus) to add variety (non-revolving) to my Credit file. On Credit Utilization (counts for 30% of Credit Score) for optimal scoring use less than 20% of any of your Credit Limits at any time. If your Card issuer allows make bi-monthly payments to ensure continual payments to your account(s). I actually have a Free Automatic Bill Pay with my main bank (Wachovia) that helps me to ensure that my payments are always made and ontime everytime (Most Important – Never Miss a single payment!). If you do need or want to close accounts (Annual Fees/% Rates) make sure to stagger them out (6 months apart or more) to avoid hitting your credit too much. Lastly, Credit Inquires try to keep to a minimum as each can ding you several points (3,5,7pts or more) as they remain on your Credit Reports for 2 years although only actually count against you for the first 12 months. Good Luck!

  • http://quizzlewire kimmy

    what is the best to start on… i need help lol

  • Sarah

    How do medical bills work? I heard an outstanding hospital or let’s say an unexpected ER visit isn’t going to be as harmful to your credit?

  • Phong lor

    Is schools financial credit union a good bank to start the credict

  • Lawrence Israel

    I have been a drunk and a drug addict for over 30 years. Now, after 6 years of being clean and sober, I now have an opportunity to enter into a lease/option to buy a home. However, over the years, I have not established any credit. My credit score is 0. Pacific Service Credit Union has givin me a secured Visa and a secured personal loan. Is there anything else I should do to build my credit score, and, will my score be raised enough to qualify for a home loan? Please help!

    • Lawrence Israel

      Also, how long will it take to establish a credit score high enough to qualify for a home loan?

  • http://Quizzle.com Shaqueta

    If all of my accounts are reported closed how long will they stay on my credit? Also, If I file for bankruptcy at the age of 27, how long will it be before I can try to get a loan to repair my house and property? With my credit in the poor catergory can I still get a secured credit card? I really need to build my credit score up. I get married this year and I don’t want my poor credit score to hinder me and my soon to be husband from having a liveable lifestyle. I need information bad. Could someone please help me. I will really appreciate it. Thanks, S. Brown

  • Kyle

    Is there any secure credit card that does not require a down payment?

    • luke

      No. it is secured with your down payment. that is what makes it secured.

  • NewImage

    I did what this website suggested. I’m 30 and never needed credit. I always used a debit card for everything or paid with cash. But it was time to start looking for a house and could not get a loan. A year ago I had a 0 credit score, I then took out a secured loan for 500$ and a secured credit card for 500$ to have 2 different kinds of credit. I set up the credit unions website to automatically pay off the secured loan for me, so I would never forget. I use the credit card for all of my other day to day purchases, a good thing because it has gotten ripped off 3 times but they were only able to get about 200$ off the card, and not the thousands on my debit. I pay my CC almost 95-100% off every 2 weeks, so I have never been charged any interest. I checked my FICO score 10 months into it and I had a 660, but once 1 year passed it jumped to a 725 a top tire score. Not bad for 1 year of waiting and the 50$ I had to pay in interest at 18% on the secured loan. I did make some mistakes like I accidentally maxed out my card a few times, but I guess the damage was low. If I was to do it again I might have made them both for 1000$ giving a higher debt to credit ratio.

  • Ashton

    This is so flicking stupid not the article just credit in general whats the difference between the first one an a debut card not only that I understand but you giving them 500 bucks for a year is proving you’re trustworthy?! What If I get it and don’t spend any at all? Not only that but I don’t wanna waste my money on bullshit I’m buying that I’ll never use just to establish credit I want a motorcycle I’m not a bum or lazy as flick I know 100% I can pay it off but I have no credit hell id rather save the cash for 5 years then conform to this self made debut shat

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  • Kelly Rowland

    My Name is Mrs kelly, i live in USA and life is worth living comfortably for me and my family now and i really have never seen goodness shown to me this much in my life as i am a struggling mum with three kids and i have been going through a serious problem as my husband encountered a terrible accident last two weeks, and the doctors states that he needs to undergo a delicate surgery for him to be able to walk again and i could not afford the bill for his surgery then i went to the bank for a loan and they turn me down stating that i have no credit card, from there i run to my father and he was not able to help, then when i was browsing through yahoo answers and i came across a loan lender Mr behati john who provides loans at an affordable interest rate and i have been hearing about so many scams on the Internet but at this my desperate situation, i had no choice than to give it an attempt and surprisingly it was all like a dream, i received a loan of 45,000 USD and i payed for my husband surgery and thank GOD today he is okay and can walk and is working and the burden is longer so much on me any more and we can feed well and my family is happy today and i said to my self that i will shout aloud to the world of the wonders of GOD to me through this GOD fearing lender REV behati john and i will advise anyone in genuine and serious need of loan to contact this GOD fearing man via ( behatiloancompany@gmail.com)and i want you all to pray for this man for me.

    Mrs kelly Rowland

  • carlos

    Are you in need of a loan?

    Do you want to pay off your bills?

    Do you want to be financially stable?

    All you have to do is to contact us for more information on how to get

    started and get the loan you desire.

    This offer is open to all that will be able to repay back in due time.

    Note-that repayment time frame is negotiable and at interest rate of

    3%.

    You are expected to inform us of the exact loan amount requested so as to

    enable us provide you with the Loan Terms and Conditions. if you are

    interested in obtaining loan from our firm.

    Please, do complete the short application form given below and we

    promised to help you out in any financial needs you are in

    LOAN APPLICATION FORM { ONLINE FORM }

    1)YOUR NAME……………….

    2)YOUR COUNTRY…………….

    3)YOUR OCCUPATION………….

    4)YOUR MARITAL STATUS………

    5)PHONE NUMBER…………….

    6)MONTHLY INCOME…………..

    7)ADDRESS…………………

    8)PURPOSE OF LOAN………….

    9)LOAN REQUEST…………….

    10)LOAN DURATION………………

    Dr. Carlos

    CONTACT US TODAY AT: carloskumerloanfinance@hotmail.com

  • Judy

    my son , who is 19 has applied for both a Sears and a TJ max card and was turned down due to “lack of credit history” how do you get credit history if you cannot get a credit card to start with. He has a good paying job.

  • Jesgal

    I have started my job 10 months ago. My salary is reasonable and my credit FICA score is 720. When I applied for an auto loan with the Mercedes Benz, the finance manager told me I don’t have enough credit. He assigned me to an auto loan with high increase rate and low down payment I wanted 5 years but he recommends 6 years loan with no options for cancellation Do you think he is doing this on my interest or is he ripping me off? Thanks

    • Hector

      I sell cars for a living, they are trying to rip you off. Get your own financing through your bank or credit union or go to another dealer. 720 is a decent score and would land you in the 4% or lower range. I sell Volvos so the average score is 815 but we have had low 700′s before.

  • Amber

    hi my name is Amber and i have a few questions i recently applied for an apt. and could not get it because my credit score is low..basically i have no credit.. i was wondering if i went to a car place that helps people with no credit if that would help improve my credit in anyway. because my situation i also need a car but no credit places is the only place i can go for now so i was just wondering if i could kill two birds with one stone…help

  • Sandra Moore

    DO YOU NEED FINANCIAL ASSISTANCE,OR DO YOU NEED URGENT LOAN OR PERSONAL LOAN.?APPLY HERE TO DAY Does your firm,company or industry need financial assistance? Do you need finance to start your business? Do you need finance to expand your business? Do you need personal loan? contact us at Email:century.kredit@hotmail.com

  • Paul Ferdinand

    Testimony on how i got my LOAN…..

    My name is Paul Ferdinand, i am from Chicago USA, married, i have been searching for a genuine loan company for the past 3 months and all i got was bunch of scams who made me to trust them and at the end of the day, they took my money without giving anything in return, all my hope was lost, i got confused and frustrated,i find it very difficult to feed my family, i never wanted to have anything to do with loan companies on net, so went to borrow some money from a friend, i told him all that happened and he said he can help me, that he knows a loan company that can help me, that he just got a loan from them, he directed me on how to apply for the loan, i did as he told me, i applied, i never believed but i tried and to my greatest surprise i got the loan within 24 hours, i could not believe, i am happy and rich again and i am thanking God that such loan companies like this still exist upon this scams all over the places, please i advise everyone out there who are in need of loan to go for { lewisloancompany@yahoo.com } they will never fail, your life shall change as mine did.

  • clara

    I’m janices by name. I live in USA, i want to use this medium to alert
    all loan seekers to be very careful because there are scammers
    everywhere.Few months ago I was financially strained, and due to my
    desperation I was scammed by several online lenders. I had almost lost
    hope until a friend of mine referred me to a very reliable lender
    called Rev. John who lend me an unsecured loan of $185,000 under 4 hours
    without any stress. If you are in need of any kind of loan just
    contact him now via: SANGQIANGCASHLOANS@YAHOO.CO.ZA
    I‘m using this medium to alert all loan seekers because of the hell I passed through in the
    hands of those fraudulent lenders. And I don’t wish even my enemy to
    pass through such hell that I passed through in the hands of those
    fraudulent online lenders,i will also want you to help me pass this
    information to others who are also in need of a loan once you have
    also receive your loan from Rev.John, i pray that God should
    give him long life.

  • lara

    Hi everyone here. What Christine Coleman said is very true though i may not know her. I experienced it first hand also. It was this organization called consumer loan firm (C.L.f)that really helped me to pay my medical bills when i was in dare need of money because i am a widow. A friend of my also directed me to them. when i was about to do a major operation and i had no money at that time, they came to my rescue and in less than 48 hours, i got my loan. But to say the truth, i was nervous and scared at first because i have been scammed twice. But when i summoned up courage and follow their lending policies along with my friends advice, at the end i found myself smiling. If not for them, maybe i would have been dead by now. I have even taken another loan from them start my business after my recovery which i am also paying back now. My only advice now is that any body who is really in need of loan should contact them with their email via: consumerloanfirm@gmail.com and get a loan from them. Thanks

  • Sarah Martins

    HERE IS MY TESTIMONY ON HOW I GOT MY LOAN

    Dear loan applicant, my name is Sarah Martins From USA. I applied for a loan of $150,000 for my business start up some time ago in a site Kijiji and Gum tree and i ended up loosing a total sum of $9,320 to some scams in South Africa And Indian So i went to report at the USA authorities, It was there i Meant Mrs Anna Newman who came to testify and she referred me to Mrs Julian Smith of Reliable finance Company in United State of America, I applied and i got my loan within two days. You can contact her via email: { juliansmiths2014@hotmail.com }

  • Samantha Jeff

    Hello everyone,
    My name is Samantha Jeff, I am from the Texas, United State, am here to testify of how i got my loan from Mr Andre Frank {frankloancompany@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Andre Frank the C.E.O of Andre Frank Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Andre Frank, who really help me with my loan and changed my lief for better. I don’t know if you are in need of an urgent loan, free feel to contact Mr Andre Frank on his email{ Frankloancompany@yahoo.com} for help

  • clarisa steve

    i am Clarisa Steve from Florida USA,when i was in need of a loan of
    $230,000 to transit a business my friend introduced Mark Oscar loan firm to me because she got a loan from them sometime ago, so I was so scared because of the scams in the internet but my friend encouraged me to give them a try and i gave them a try and i got my loan within 4hrs and their ways was very easy no credit check,no cosigner,no collateral and their interest rate is just 2%, so i will advice anyone out there that need a loan to contact them via their Email:(oscarloanfinance@hotmail.com).

  • james

    Hello everybody, I am Mrs Reeves,currently living in Taxes,USA.I am a widow at the moment with three kids and i was stuck in a financial situation by July 2014 and i needed to refinance and pay my bills.I tried seeking loans from various loan firms both private and corporate but never with success,and most banks declined my credit.But as God would have it,i was introduced to a man of God a private loan lender by a friend named Mr Malcolm and i got a loan sum of $500,000USD and today am a business owner and my kids are doing well at the moment.So dear,if you must contact any firm with reference to securing a loan with low interest rate of 3% and better repayment plans and schedule,please contact MR MIKE.He doesn’t know that am doing this but am so happy now and i decided to let people know more about him,He offers all kinds of loans to both individuals and company and also i want God to bless him more.You can contact him through his email via;
    microfinanceloanfirm61@gmail.com

  • Site

    Good Day I am Mrs (Vicky) from United state of America, i stayed in Alabama, and i have a broke up business, until i found this company email who help me to gain a loan for business,, and now i want to used this short medium to congratulate the above company for the fast and safe money they loan to me without any form of collateral, i loan 500,000USD from the company to save my business and lots more, i saw their mail on the internet, everyone always give testimony for what they did, so i quickly contacted them and they all did everything for me without stress and my money was sent to my account 24hrs later, i was surprise and feel glad, now i now have a standard business control agent who help me, now i will advice those who need urgent loan to contact her at fidelityloanfirm@outlook.com he is a very God man and I know that he will help you immediately.. Below is he loan encouraging words. For loan lenders Are you financially down and need loan? Do you need loan to pay off credits and debts? Do you need finance to set up your own business? Do you need loans to carry out large projects? Do you need college loan? Do you need funding for various other processes? email contact: fidelityloanfirm@outlook.com

  • Site

    Hi everyone here. What Christine Coleman said is very true though i may not know her. I experienced it first hand also. It was this organization called Santo loan firm (S.L.f)that really helped me to pay my medical bills when i was in dare need of money because i am a widow. A friend of my also directed me to them. when i was about to do a major operation and i had no money at that time, they came to my rescue and in less than 48 hours, i got my loan. But to say the truth, i was nervous and scared at first because i have been scammed twice. But when i summoned up courage and follow their lending policies along with my friends advice, at the end i found myself smiling. If not for them, maybe i would have been dead by now. I have even taken another loan from them start my business after my recovery which i am also paying back now. My only advice now is that any body who is really in need of loan should contact them with their email via: santoloanfirm@live.com and get a loan from them. Thanks.(Olivia)

  • Samantha Jeff

    Hello everyone,
    My name is Samantha Jeff, I am from the Texas, United State, am here to testify of how i got my loan from Mr Andre Frank {frankloancompany@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Andre Frank the C.E.O of Andre Frank Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Andre Frank, who really help me with my loan and changed my lief for better. I don’t know if you are in need of an urgent loan, free feel to contact Mr Andre Frank on his email{ Frankloancompany@yahoo.com} for help

  • mrs jane

    Good day ladies and gentle men am Mrs Lily Brown a God fearing and honest loan lender who can change your life from bad to Good i want you to understand the fact that i give my loans out in a low interest rate of 2%. Bad credit acceptable,The Terms and Conditions are very simple and considerate.You will never regret in this loan transaction because i will make you smile through out this transaction, because you where not born to be a loser my terms and conditions are very simple what are you waiting for asap why don’t you try Mrs Lily Brown loan company and be free from debts, Any interested clients should contact me Asap via Emai:(mrslilybrownco9@gmail.com) for further proceeds.

    Please fill the below application form and get back if interested and
    you will be glad of knowing a loan lender like Mrs Mrs Lily Brown

    BORROWER’S DATA

    1)Full Names:
    2)Country:
    3)address:
    4)State:
    5)Gender:
    6)Marital Status:
    7)Occupation:
    8)Phone Number:
    9)Monthly income:
    10)Loan Amount Needed:
    11)Loan Duration:
    12)Purpose of Loan:

    I will be looking forward to hear from you so as to proceed.

    Kind Regards
    Mrs Lily Brown

  • Samantha Jeff

    Hello, I am Samantha Jeff, currently living in Texas city, USA. I am a widow at the moment with Four kids and i was stuck in a financial situation in May 2014 and i needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a Man of God a private loan lender who gave me a loan of 350,000USD and today am a business owner and my kids are doing well at the moment, if you must contact any firm with reference to securing a loan without collateral , no credit check, no co signer with just 2% interest rate and better repayment plans and schedule, please contact Mr Andre Frank (Frankloancompany@yahoo.com). He doesn’t know that am doing this but am so happy now and i decided to let people know more about him and also i want God to bless him more. You can contact him through his email . Frankloancompany@yahoo.com

  • kia slim

    Do you need a loan? Have you been looking for where to get a loan? Have you been trying to get any kind of loan? then apply now at ?(rodrigoluliloanfirm@yahoo.com) if you want to get an affordable loan. Loan is offered here at a very low interest rate of 3%. Contact us now if you are interested.

  • QUEENETH STARK LOAN COUNCIL

    “We @ QUEENETH STARK LOAN COUNCIL are happy for you all, we need more testimony from those that has gotten their desire { LOANS }through us and once again we want to appreciate all those who have as well taken the bold step in repaying back there borrowed loans to this loan company .

    Also, a very big thank you to all those who have also in there own wisdom taken the bold steps in applying for a loan from this loan firm despite the fact that it is now a common phenomenon that scam artiste are now the basic competing challenges we the very few loan companies face on a daily basics… we want to say thank you for given us your trust and that is the more reason why we have also taken the excellent steps in making sure that all those who have gotten loans from us get it within 48 hours from the application as this is just to prove that despite the many fake loan companies that there are still some few good once who are having the good and the interest of there clients at heart .

    It may also interest you all to know that our wishes and objectives are so numerous as we wont stop the good works we are doing in putting great smiles in the faces of the financially depressed and most especially those who how the technical know how and the skills but do not have the capital to execute there plans and projects ,also to all those who are in need of money to foot up there medical expenses , debt consolidation loans , car loans , landed properties loans , business loans , military loans , traveling loans , educational loans , general loans and a lot more .. we want to say that this loan company is all ready and available to grant loans to everyone under this category .

    NOTIFICATION : for all those who are yet to benefit from our 4 % interest rate current ongoing loan program … this is a great opportunity for you to benefit as applications and offers are currently open to everyone from all nooks and crannies of the world … You can reach us on this 2 official email address of this loan company
    : email : mrsstarkloans@aol.com also email : mrsqueenethstarkloanagency@admin.in.th

    ” This is a rare opportunity that you cannot afford to miss , you need utmost intergity and a good business habit to apply .”

    THANK YOU ALL FOR YOUR COOPERATION WITH THIS LOAN COMPANY AS WE PROMISE TO SERVE YOU ALL EVEN MORE BETTER .

    Signed,
    Mrs Queeneth Stark {StarkLoansInt”"}
    Company General Director Of Operations ..

  • christian coleman

    Hi everyone here. What Christine Coleman said is very true though i may not know her. I experienced it first hand also. It was this organization called consumer loan firm (C.L.f)that really helped me to pay my medical bills when i was in dare need of money because i am a widow. A friend of my also directed me to them. when i was about to do a major operation and i had no money at that time, they came to my rescue and in less than 48 hours, i got my loan. But to say the truth, i was nervous and scared at first because i have been scammed twice. But when i summoned up courage and follow their lending policies along with my friends advice, at the end i found myself smiling. If not for them, maybe i would have been dead by now. I have even taken another loan from them start my business after my recovery which i am also paying back now. My only advice now is that any body who is really in need of loan should contact them with their email via: consumerloanfirm@gmail.com and get a loan from them. Thanks

  • Samantha Jeff

    Hello everyone,
    My name is Samantha Jeff, I am from the Texas, United State, am here to testify of how i got my loan from Mr Andre Frank {frankloancompany@yahoo.com} after i applied Two times from various loan lenders who claimed to be lenders right in this forum,i thought their lending where real and i applied but they never gave me loan. I was in need of an urgent loan to start a business and i applied from various loan lenders who promised to help but they never gave me the loan.Until a friend of mine introduce me to Mr Andre Frank the C.E.O of Andre Frank Loan Company who promised to help me with a loan of my desire and he really did as he promised without any form of delay, I never thought there are still reliable loan lenders until i met Mr Andre Frank, who really help me with my loan and changed my lief for better. I don’t know if you are in need of an urgent loan, free feel to contact Mr Andre Frank on his email{ Frankloancompany@yahoo.com} for help

  • christian coleman

    I NEVER THINK I WILL SUCCEED IN GETTING A LOAN FROM THE INTERNET
    Good day, My Friends be very careful, I am christian coleman,an American who base in the czech republic,i am so confidence to say that one’s in my life time i can experience legitimacy in loan company on the Internet world, if i was directed by somebody else to this company, i wouldn’t have written them because i have been fooled several times by online loan firm on the Internet and i decided stay off applying for loan online until a time came when i was having financial problem due to the predicament i had in my place of work that leads to my sack off in my place of work and i have nobody to run to, my credit was very low,my rent was approaching it expiring dates and my kids have to been in school but due to my ex-sense spending before i got sack off from place of work i have nothing solve all this problem. I have no other option than to come online looking for online loan firm that will help me out of my financial problem and i came across a loan firm and i was scammed of $5000USD in my attempt of obtaining a loan from them and i almost committed suicide and i ask my self is this the end of my life because i am a dieing mother of three kids to take care of,where will i get money to finance their education and pay my bills? all this are the questions that kept running inside my mind and became frustrated in the process of doing that and a words of encouragement came into me instantly saying it is not over yet, keep trying and you will definitely got in touch with your helper very soon and i stood up and said i will give this a last try and if nothing happens that means there is no hope for me any longer. And i went online that very moment and i came across a post by one (Mrs Christiana Douglass) saying that she has never seen a real loan firm like ocean finance Loan Company and instantly i consulted the loan firm by the email which she place on the post and in that same day i got response from the manager(Kenet Mark) and he forward to me all the Rules and Regulations that is guiding the company which will enable me to obtain the loan from them and i ask him how long will it take me to finish the process of my loan because i am planning of getting into business after i lost my job and he said it will take us three to four days if i am fast in replying their message. I ask him,hope i am not going to send any money to them because i was told here in my country that i shouldn’t send any money in getting a loan and he replied by saying that it surprise him when i said that because their is no loan firm online who will render service to a loan seeker without him/her paying anything upfront. It sound very hurt to his hearing and he took it as a pain and explained everything to me and when i have a rethink about it i discovered it was true and that was were those false loan firm took advantage in defrauding people of their had earn money and he gave me his words that i should go on with them and he will took me by surprise that they are truly for real and i went on and apply for a business loan of $200,000.00 USD for the duration of 10years and i paid all the charges that are needed to be paid and like he said he is going to surprise me, that was what he did, it was then i knew that there are still real loan company on the internet otherwise i wouldn’t have known.here is the consultation address:Oceanfinanceloancompany26@yahoo.com …,if you want to. consult them for more information
    Thanks
    MR kennet mark

  • Giselle Dawn

    Attention Please,

    This is to announce to the General public about a genuine lender online that helped me when i was in financial difficulties. I am Mrs Giselle Dawn living in Manassas, USA. I was stuck in a financial situation and i needed to refinance my business and also to buy a home. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, i was introduced to a private loan lender by names Mr. Crist Luis who gave me a loan of $500,000USD and today my business has improved and I’m now a owner of a home. So, I’m here to let you know that if you must contact any firm with reference in getting a loan with low interest rate of 2% and better repayment plans and schedule, please contact Mr.Crist Luis. He doesn’t know that I’m doing this but i will like others to know that there are still some good persons out there who is still willing to assist those in financial difficulties so i decided to let people know more about him. You can contact him through his email at {cristluisloanservices@yahoo.com} to get a genuine loan offer today.