I'm in the latter stages of my PhD, and I have been recently realizing that I have literally zero credit history. I don't need a good credit history now, but I anticipate needing one later. Presumably, in order to do this I need to get a credit card. Help? [more inside]
I've never been in debt, I've never had a credit card, I have money in a bank account, but today I went to look up my credit report and there was nothing in it. I'm not planning on making any big purchases in the next two years, but I'm sure eventually I'll want to buy a house or a car. How can I build up my credit, given that many places won't give me a credit card due to the fact I have no credit score? [more inside]
At the age of 46 I had to get my younger brother, who also lives in the U.S. but for a much longer time, to cosign my lease because my wife and I have only a year of American credit history being recent immigrants. Now I know it is illegal to deny housing based on someone being an immigrant but that it is legal to deny housing based on a credit check. Is it foul play that they refuse to check our foreign credit history? [more inside]
Is lack of credit regarded as a risk only for older people? And if so, why? [more inside]
Botched online credit card applications: can I have them removed from my credit history since they were due to an unresponsive website, and does it really matter anyway? [more inside]
What personal info does my future landlord need from me to make sure I'm legit? How do I make sure he's legit? [more inside]
How do you establish your credit rating and rental history in one country when you're from another one?
How do you establish your credit rating and rental history in one country when you're from another one? [more inside]
I'm about to go back to university and I have all of the tuition money for the next 2-3 years (yay me). What's the best way to pay it so that it improves my credit history? [more inside]
CreditFilter: Does opening a new account look worse on your credit than keeping an older one? [more inside]
As a young person with a pretty much blank credit history, I'm looking for ways to start building solid credit for the future (more inside) [more inside]
Credit Reports. I've just received mine from the big three via MyFICO.com. I've got above average scores (750+), but I see a bunch of old credit cards that may or may not affect my score. You see, I'm getting my finances in order to go home loan shopping for the first time. What's steps should I be taking to make loan officers like me?