Credit Reporting?

I recieve numerous offers from credit card companies all the time. I was wondering if a credit re-builder card (i.e First Premierm %26amp; Continental Finance) would read less on your credit report than a fairly decent lenders Capital One or Chase, are they all equal. Also, what is your beacon score as soon as you turn 18?

Thanks!!

Credit Reporting?va loan

The only difference between a no-name company and a well-known company is whether they actually report to the credit bureau - not all credit cards report. If they don%26#039;t, then you won%26#039;t get a credit boost from them! You should call and ask before applying for anything.

If they try to haul you in on an offer of a $300 card that has $250 in fees and such, don%26#039;t do it, lol. That%26#039;s crazy - no matter what your score, you will find a card that has no fees... might still have a $300 limit, but still no fees. Don%26#039;t pay someone for that credit, you%26#039;ll pay enough in interest.

Your beacon score isn%26#039;t set as soon as you turn 18... you have to build at least 6 mo credit history before you get a score, and that will be determined by your credit line, your balance, and how you pay - if you have a high limit, low balance, and high payments each month... your score will be higher.

And just a lil tip for everyone - the earlier in your billing cycle you pay, the better your score is with that creditor. They have in-house scoring systems that don%26#039;t have anything to do with the bureaus, and they use it to give you offers (like 0% balance transfer promos), approve you for credit limit increases, APR reductions, etc. What I do is send out a payment before the bill even gets to me - I just get the billing info off the previous statement, or off of the internet. Online billing statements are great!

Credit Reporting?

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