Tag Archives: Cell Phones

Loans or credit cards for people with NO CREDIT?

Atreyu’s Mommy & Due Aug 24 asked:

My fiance cannot get a loan or credit card because he has no credit. It’s not bad credit, just no credit. We want to build his credit so we can buy a house in the next year. He tried getting a secured credit card, but his name is in the chex systems, which we’re still not sure why. We don’t want to pay any annual fees, or a monthly fees. I don’t care about interest rates because we will pay the credit card off each month. Does anyone know of anything we could do? We already have cell phones under his name. They don’t report the the credit bureaus. And he is not ignorant. How is he supposed to get a credit card with no credit? He’s tried since he was 18 and he is now 26.