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Establishing Credit Texas

People who are trying to establish credit should take advantage of the programs offered to them. Although an authorized user is not financially liable for charges made, it does appear on a credit report as a piece of established credit.

Local Companies

Consumer Credit Counseling
915-564-5401
3804 Hayes Ave
EI Paso, TX

Credit Store
361-991-5100
5858 S Padre Island DR
Corpus Christi, TX

Consumer Credit Counseling
(972) 487-6461
705 W Avenue B
Garland, TX

L C Mortgage
(972) 279-7979
1402 Northwest Hwy
Garland, TX

Resetar Janet F
(972) 485-5900
705 W Avenue B Ste 600
Garland, TX

CBM MEDICAL MANAGEMENT SERVICE
(214) 777-2085
3402 Taurus Dr
Garland, TX

American Finasco Inc.
(281) 885-0400
15425 North Fwy
Houston, TX

Northside Auto Credit
(281) 587-0640
200 Hollow Tree Ln
Houston, TX

Able Debt Settlement
(214) 357-5356
2351 W Northwest Hwy
Dallas, TX

Heisch Dale Atty At Law
817-808-6353
3505 Airport Fwy
Fort Worth, TX

For those reluctant to beg, borrow, or plead with friends and family, a simple way to establish credit is to go to a chain store and open a credit card there. Most clothing and department stores require only a social security card, a drivers license, and a credit card (even if it is only your bank issued debit card sponsored by a major credit card company). The stores fill out the application for you, on a cash register and voila—you have instant credit. The interest rates for store cards are outrageous (usually 22% +); so the best way to go about establishing credit with these money pits is to purchase items in the store and then turn around and pay them off with cash, as most stores will allow this. The purchases will be reflected on reports to the credit bureaus, as will the timely payments. Good credit is now established.

The third way to establish new credit or repair good credit gone bad is to sign-up for a secured credit card. A secured credit card more closely resembles a debit card more than it actually resembles a credit card, but it does the trick. A secured credit card requires an upfront deposit and often involves a fee ($75 to $100). Cards such as these may have a $500 credit limit; however, the card holder has to deposit the $500 onto the card prior to using it. The creditors still report activity to the credit bureau, but the credit card holder has no opportunity to go wrong and cause anyone to lose money by not paying it back. It is all paid up front, but still looks like successful management of a credit card; therefore making the holder appear to be credit worthy to other lenders.

By utilizing one of these three methods, good credit is within reach and bad credit is repairable. Simply determine your own level of desperation and select the method most in line with your present state.

About the Author:

Connie Barker is the owner of several financial websites including http://www.onlineloanreviews.com/establishing-credit.html

Article Source:

thePhantomWriters Article Submission Service

Featured Local Company

Consumer Credit Counseling

915-564-5401
3804 Hayes Ave
EI Paso, TX
http://www.cccsintl.org

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