How does one get credit?

[R8RFAN]

Originally Posted by Peyton's Princess

Capital One will give ANYONE with either no credit (and no flaws) or a score in the mid 600s a REWARDS card with no yearly fee.

So will barclays...

so will a lot of other places

2 years ago I got two cash back $0 annual fee credit cards with a score of 640 due to a defaulted student loan that I rehabilitated and paid back in full 5 years back

now I'm in the low 700s...not great, but not bad for letting a loan default (one that I didn't even know about since I took it when I was 18 for beer money because I'm an idiot)

I went to credit cards.com and I be damned if they offer one to me with my mid 600's that is being reported.

That don't matter at all to me though now if my score is actually in the 700's and is being mis reported... I will know exactly whats going on in a few days... I never apply for credit so I am not real good at it and could be doing shit wrong or something... Who knows...

[HMc]

can't believe people took the bait on this obvious bragpost.

I don't want credit but am going to act like I might in order to take the opportunity to remind everyone how much of an awesome money manager I am.

[alnorth]

Originally Posted by HMc

can't believe people took the bait on this obvious bragpost.

I don't want credit but am going to act like I might in order to take the opportunity to remind everyone how much of an awesome money manager I am.

I disagree. If his score is in the mid-600's thats a problem if he ever has to borrow money, and if he doesn't supply the information that you see as bragging, then we can't answer his question.

Based on what he's posted, his score should not be that low, he has a legit problem.

[R8RFAN]

Originally Posted by alnorth

I disagree. If his score is in the mid-600's thats a problem if he ever has to borrow money, and if he doesn't supply the information that you see as bragging, then we can't answer his question.

Based on what he's posted, his score should not be that low, he has a legit problem.

And that's why I did it because I am stunned my credit can be so low when I never had a late payment on a car or anywhere since the mid 90's and always paid them off in half the time and paid the 30 yr mortgage off in 5.5 years.....