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Credit History question. Please help!


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Posted by Skuba (65.84.164.38) on October 22, 2003 at 14:40:22:

Hi,
I have been living in the US for 2 years now, but my SSN is just about 1 year old.
I never had a credit card in this country. I don't know what other kind of bills count for credit history.
I am a legal resident and have a full time job.

Recently I tried to open a wireless phone account and they said I would have to put down a deposit of $800 because of lack of credit.

My problem is not bad credit, it's lack of credit history.

What should I do to create credit? I am trying to get a credit card. But I heard that you need credit to be approved. So, how all this thing work.
What other kind of bills count towards building credit. What about bills for services like Cable TV, Internet access, etc..???
Do you think I can get a credit card that will give me a grace period?
What can I do?

I don't know what is on my credit history, but despite the wireless account problem, I was able to to rent an apartment.

Thanks a lot for helping. It's hard to find info about that.

Skuba


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