Help I’m trying to rebuild my credit history and I have no help or advise?
Jessie Bebe asked:
I messed up as a teen with my first mobile contract, so I’m doing the right thing and paying off the debt tomorrow (about the $750 mark) so my default at least shows as paid. My problem is I can’t get a loan after this anyway because it’s still on my file for another year or so (they stay on there for 5 years I’m told), but I am needing some way to create a better credit history which is hard to do if no one trusts you with credit. Is there any kind of secured credit cards? if so which bank? or perhaps a card someone can co-sign for me? Please remember I am in Australia, WA!
Thank you
I messed up as a teen with my first mobile contract, so I’m doing the right thing and paying off the debt tomorrow (about the $750 mark) so my default at least shows as paid. My problem is I can’t get a loan after this anyway because it’s still on my file for another year or so (they stay on there for 5 years I’m told), but I am needing some way to create a better credit history which is hard to do if no one trusts you with credit. Is there any kind of secured credit cards? if so which bank? or perhaps a card someone can co-sign for me? Please remember I am in Australia, WA!
Thank you
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Trick: Ask for a Pay On Delete
You can do this with one time bills such as cell phones
(not extremely easy to get them to do it – but worth a good try)
You MUST get it in writing first – in case they “forget” later
google: Pay on Delete – and read a bit about it
We will worry about developing credit with a secured card later – lets do this pay on delete – good luck