Lack of credit history woes
Oct 18th 2014, 2:10 am
#16
Account Closed
Joined: Jan 2006
Posts: 0
Re: Lack of credit history woes
I'm no expert but I believe credit history is related to SSN's. A credit card 'per se' is probably easier to get after the other 2 lines are obtained. My banker told me you need 3 lines and some are easier to get than others. You can get store cards and buy a car etc. Credit cards as such seem very hard to obtain.....sorry I can't be more positive. Needless to say some banks might be more amenable to giving you one. All I know is that I had to literally beg and then only got a derisory limit....once you get it though...spend and pay....
Oct 18th 2014, 12:57 pm
#17
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Joined: Apr 2010
Posts: 1,157
Re: Lack of credit history woes
. Admittedly, I didn't try for their normal base-model.Store cards are also pretty hit or miss. I ended up going the path of the secured card.
Oct 18th 2014, 2:47 pm
#19
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Thread Starter
Joined: Apr 2014
Location: MA - Metrowest
Posts: 77
Re: Lack of credit history woes
I managed to get what I needed from T Mobile. They have a No Credit Check plan and the costs are the same as the regular ones. This only required $90 deposit for all 3 lines. Why the many people I spoke to never offered me that option in the first place I don't know.
In terms of credit lines - I've managed to get an AMEX easily on the basis of my UK AMEX and I'm awaiting my Visa credit card from my Credit Union. Also I've got a car loan from the Credit Union. Store cards are a bigger challenge and the lack of credit history is usually the issue. I'll try a few different stores.
In terms of credit lines - I've managed to get an AMEX easily on the basis of my UK AMEX and I'm awaiting my Visa credit card from my Credit Union. Also I've got a car loan from the Credit Union. Store cards are a bigger challenge and the lack of credit history is usually the issue. I'll try a few different stores.
Oct 18th 2014, 2:58 pm
#20
Joined: Dec 2001
Location: Dixie, ex UK
Posts: 52,439
Re: Lack of credit history woes
...... In terms of credit lines - I've managed to get an AMEX easily on the basis of my UK AMEX and I'm awaiting my Visa credit card from my Credit Union. Also I've got a car loan from the Credit Union. Store cards are a bigger challenge and the lack of credit history is usually the issue. I'll try a few different stores.
Oct 18th 2014, 3:00 pm
#21
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Joined: Apr 2014
Location: MA - Metrowest
Posts: 77
Re: Lack of credit history woes
Ok gotcha. Don't need/want the store cards anyway.
Oct 18th 2014, 6:20 pm
#22
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Joined: Jan 2013
Posts: 219
Re: Lack of credit history woes
As them about a plan for certain visa holders. T mobile do some system where if you hold a visa (and we are E2 so a less common type and it worked for us) they will waive the deposit. Worked for us x
Oct 18th 2014, 10:59 pm
#23
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Joined: Apr 2014
Location: Alliance AL
Posts: 304
Re: Lack of credit history woes
Oct 18th 2014, 11:05 pm
#24
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Joined: Aug 2004
Location: MA, USA
Posts: 92,170
Re: Lack of credit history woes
The only temp change was the ability to piggy back credit history was stopped for a short while, but even that is on the cards.
Oct 22nd 2014, 8:20 pm
#29
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Joined: Mar 2014
Posts: 147
Re: Lack of credit history woes
If you have opportunity, get an Amex issues American Express UK card ASAP and after 1 year they will usually move over your credit to a new USA account.