No Annual Fee Credit Cards

I'm a college student and have no established credit. I've had a debit card for about 6 years, but I'd like to open a credit card to start building credit. I've researched MTV and Citi bank Visas, Discover, and American Express, but am still not sure what the best option would be. I plan to use my card sparingly and pay it immediately from my debit account.

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written by Author \\ tags: 6 years, American Express, Apply Online, Checking Account, citi bank, Citibank Student Loans, Credit Card, Debit Account, debit card, Establishing Credit, Flub, Home Loans, Mortgages, Mtv, prepaid debit cards, Visas

My fico scores are 647, 644 and 628. I have 3-4 old collections on my report, but they are 3-6 years old.

do I qualify for regular credit card? if so which?

please be specific and informative.

thanks

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written by Author \\ tags: 6 years, Aggregate Demand, Apple, Blog, collections, Credit Card, Fico Scores, Job Hunting, Ted, unsecured credit card

I am a renter thinking about purchasing a townhome or condo in my neighborhood for about 3-5 years, selling and then finally moving into my perm. home in the same neighborhood. My rent is increasing from 946 to 1011 a month and instead of wasting that money, I'd like to put it toward a home.

Problem: No savings, Poor credit history, Fico score between 499-526 from all three credit agencies 35/K a year, 6+ years with my job, and the loan amount I'm looking to finance is between 164-219/K.

I figured it would be cheaper for me to buy instead of renting which I'll be doing for the next 3-5 years if I can't get a home loan.

I know my credit situation is bleak. How long will it take to ramp my fico score to at least the national average and what other advice can anyone of you give for a first time home seeker looking to buy in the near future? What can I do for the next year to get my score up?

Oh I live in Houston, TX btw..

Thanks in Advance!!

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written by Author \\ tags: 6 years, auto loan, btw, Business Opportunity Seeker, Cheap Auto, Credit Car, credit score, credit situation, Fico Score, Finance, first time home, Home Based Business Opportunity, Home Based Business Opportunity Seeker, Home Business Center, home loan, home seeker, houston tx, job, Loan Finance, Money, neighborhood, Poor Credit Car Loans, Poor Credit History, Purchasing, Ramp, Recession Proof, renter, Structured Settlement, thanks in advance, townhome, year 6

I have 2 credit cards that I've had for about 6 years without missing a payment. I use about 10% of my available credit.

Is it possible to get a 750+ fico score without getting an auto loan? I wanted to buy a house within the next year and wanted to get my score as high as possible.
Wow the spam bots are out tonight!

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written by Author \\ tags: 6 years, Auto Financing, auto loan, Bad Credit Auto Loan, Bad Credit Auto Loan Financing, Buy A House, Buy House, Credit Auto, Credit Card, Credit Cards, Fico Score, News 6, Score Cards, spam bots, Webmaster, Wordpress Plugins, Wow

Help! I'm trying to start up a business and all I need is a k business credit card. But I have a bad credit rating and so far lenders insist I must have a strong co-signer. But I can't get anyone to do this for me (long story) Any suggestions?
In answer to the first responder, it's a self-employed business. I'm the only employee. It's a long story but my personal financial mess is a combination of the high tech collapse (I'm an engineer) that has gone on 6 years, 3.5 years unemployed for myself. Plus, I have a medical condition. I finally made a bold move to get around the medical condition so I can start my own business, now all that is stopping me is a co-signer. I agree, it's not an enviable position but I have no other choice. Is there any way to get a credit card without a co-signer when you have a bad credit rating?

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written by Author \\ tags: 6 years, Bad Credit Rating, Banks, bold move, Business Card, Business Credit Card, co signer, collapse, Credit Canada, Credit Help, Credit Loans, Credit Matters, engineer, Financial Crisis, financial mess, first responder, Lenders, Loans With No Cosigner, medical condition, Midst, own business, self employed business, Start Business, Start My Own Business, strong co