but it is goin under my dad credit tho.. i jus got my visa about 3 weeks ago and i think ill be ok in 6 month

 

Your credit report updates every 45 days. Dont go past your grace periods on any of your bills, keep saving!

 

ok ty

 

hey harounq do you know how long does it take b4 i start building credit??? cuz i jus got my visa a month ago how long does it take b4 i can build redit im not good with this things

 

Why you asking me specifically????? Maybe cuz I am 22 I'm guessing?? Anyways, I have a friend that just got his Visa a year ago. I am guessing you first have to get an SSN. When you get an SSN then can youfill out an application for a credit card.A credit card is the best way to build your credit. Or you can ask MARCUS for money. He is loaded. Heck the least he can do is Co-sign for you!! Seriously other thanwhat I said about credit cards, I am clueless on the matter.

 

ALSO don't mess with DIRECTV or AOL they lower your credit if you f**k with them. I was 13 when I got an AOL CD with 1,000 hours free online.Since 13 to 18 I had bad credit. I couldn't even get a cell phone. I had one of those crappy trac phones that never worked right. Maybe that was more than you needed to know. But anywayspost a thread in the "off topic" section of how you can build your credit.

 

Look at the bright side Marcus... You are still younger than the wheel..

 

jttay jttay jttay i keep loging on and seeing this post. credit takes time, if everyone could go get a visa and have good credit in 6 months half the world would own bentlys.

I am also 22.I have worked my *** off to get a 708 credit score. I havea mortgageand the bills that come with it for the past 3 years(I have not missed one payment).I wasin the mid to high 6's for thefirst2 years i owned myhome.

bottom line isfor normal people credit takes time, even if you have a co-signer you are still a risk. An even higher risk if you arefinancing a car over 5 years old.6 months of paying1 credit card is not goin to determine your interest rate, nore make your credit good enough to buy whatever you want.

 

man i guess ill jus get a car a can afford then in few years when i start buildin credit ill get the car i like

 

Wise move. Protect yourself first. It's hard to put off what you want, but you will be better off for it in the long run.

 

Yes I agree 100%. Smart Move. its hardm but you will thank me in 3 years when you can get the car you want.

 

ty guys il be back in this forums in 3 years

 

Hang out and get a feel for the cars. That way you will have a more informed idea of which car you want.