how can i get good credit?

Von Houskeeper: I went through the same situation when I was 18 the best thing to do is get a credit card and make little purchases like gas,food,etc and pay it off for a couple of months ad your credit score will go up.That'ss what I did at 18 I did that for 4 months and then I was able to get an apartment. Here is the link to the credit card site I used they will get you approved with bad credit or no credit. http://bit.ly/aUlcCg. Good luck and have a blessed day.

Lou Ravelo: To raise credit score1. Always pay on time or ahead of time.2. maintain low balances on credit cards3.To boost your score: Don't charge anything for at least 60 days before applying for a loan4. keep your total potential debt to earnings load low - If you have a card with a $15000 credit line, you may ask them to reduce it to something more realistic, like $5000.5. You should have a recent history of both installment or term (Car or house loans) and revolving credit. 6.To boost your score: D! on't close unused accounts when you transfer debt.7.To boost your score: Consider opening another credit-card account or two, or taking out a car loan or small bank loan.------------------------------http://www.bestcreditrates.net...Show more

Irvin Guiles: You won't be approved for any credit with collections on your credit report. You'll need to pay the $350 off before you apply for anything again. And if you a lot of hard inquiries, you need to wait until they drop off, which is at least 1 year depending on when the inquiries were made.Once all that is done, the surest way to be approved for credit when you are first starting out is to apply for a secured credit card with a well-known bank or credit union that has branches in your area. Keep in mind that a secured credit card is different than a prepaid credit card.Good luck...Show more

Brock Hladik: You won't be able to get a credit card.If you do - make sure you pay it in full each month.Carrying balances! will destroy credit ratings.Here is how you develop credit in! your situation.Open a 1 year cd at a bank.At the same time make a secured loan against that cd.This will establish your credit beautifully.During that year, take care of that medical bill.If you come accross some cash, offer to pay it in full in return for a pay on delete. It will be deleted from your credit reports. Get it in writing if you can.Once you clear this up, maybe you can get a credit card.Remember - pay a credit card in full each month for some credit scores that will amaze any creditor./...Show more