I am 20 years old I live in a house with my boyfriend it is in his name but I paid for this house also, I was just wondering if anyone had ways to get a credit card? I went to my bank and asked and they want me to put my own money on a card for like almost 2 years and keep paying it back. I do not have that much money to pay on the card and then pay back constantly. I work in fast food but I do keep my bills paid, was just wondering if theres any good cards out there to apply for like a 300$ credit limit I want to start building my credit. Also My dad filed bankruptcy a year ago and he is starting to re build his credit can he cosign for me still? its so difficult doing it by yourself because my mother has bad credit so I cant have her cosign anything so I’m kind of stuck. And yes I’ve applied and kohls, fingerhut all these small places and got denied. Please any advice would be great! It would help out alot! I dont want a credit card to be immature, I want it for emergencies such as my car breaking down or for gas or bills.

Technorati Tags: bad credit, bankruptcy, cards, credit card, dad, emergencies, fast food, fingerhut, kohls, much money

Hey everybody,

I’ll be 23 in a few months. I’ve already been married & we bought a house [but due to a pipe busting in the winter & causing a ton of mold & then five trees falling on the house in a wind storm that the insurance company did not want to fix], the home ended up going into foreclosure. The loan was not in my name, however my name was on the deed. I’m not married anymore & the last time I checked my credit, the house did not show up but, I think that was before it was actually foreclosed on.

He & I have two credit cards [probably 00 of debt total] that I have to pay half off of [so, about 00 right there.]
Then I have a Kohls & Macys card [about 0 total].
Then I have three other items that are not credit cards that come to about ,050.

Total, I have just a little under ,000 worth of debt which I know doesn’t seem like much but, after I deduct all my bills, I don’t have much money left. Things keep popping up left & right like medical expenses & tires for the car, etc & whenever I think I’m starting to get ahead, I end up even further in debt. I already have two jobs, I already save as much money as I can. Every bit of debt that I have has already gone to collection agencies so I can’t go online & pay on anything.

I’m just wondering if [since my credit is already horrible] I should just file for bankruptcy. If I did, would the foreclosure still show up [assuming that has affected my credit]? Would it be easier to rebuild my credit after bankruptcy or repair it by paying everything off? If bankruptcy is my best option, how long will it affect me? Will I be able to rent an apartment? What if a few years from now, I want to buy a house or condo? If bankruptcy is not my best option, is there any programs that aren’t scams that I could use to consolidate or something? Not sure if this makes a difference but, I do have a 2007 car that I bought brand new. I have three years left of payments & I’m current on it. I’m thinking about trading it in for a vehicle with AWD.

Serious answers only please. I’m trying to figure out what steps that will help me further myself faster. Thanks in advance.

Technorati Tags: amp, apartment, collection agencies, credit after bankruptcy, credit cards, foreclosure, insurance, insurance company, jobs, kohls, last time, medical expenses, mold, scams, tires, trees, wind storm