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No credit check lines of credit?


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Well I'm not sure if it has been posted before, but I had managed to find a website Crownjewelers.com. They opened me up with a 2500.00 line of credit without a credit check and reports back to cra's. The small catch is they require a small down payment on purchase before they extend credit, for example if you ordered product that cost 130.00 they might require 30 dollars down and extend 100 worth of credit. It's been a long building process and I feel that this is going to help me get on the right track.

My Question is, are there any other places that you all know of like this? no credit check and report back to the credit reports? Your imput is appreciated. Thanks

Scott

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  • 2 months later...
  • 2 weeks later...

I didn't know Crown does not report :( Well after 6 months they don't require a down payment, so I guess that is a good thing, but that stinks that they do not report.

USA Shopping club is a place I got an account at (also no credit check) but they charge a one time fee of like $150 for a membership, but they DO report to Trans Union. I actually had the account idle for a long time, and then I ordered something so that they report, and they started reporting and it shows that my account was open since 2003 with no lates, $5000 limit - I bought like $600 worth of stuff from them, and my score went up like 40 points on Trans Union. It is the same deal, you have to put a small amount down on each order, but they have a lot of stuff that I would be getting anyway, so it works out, tho their prices are more expensive ... Still is nice to have that credit line that looks aged.

Good luck ...

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Guest kennith

Hi,

I currently have two credit cards, but would like to get one final one. I've been getting turned down for a few recently that I thought sounded good. What are some good cards and websites where I can get a credit card that almost every gets approved for? I'm young(21) and trying to establish some more credit. My friend got approved for a Best Buy credit card tonight and his credit isn't that good. However, I just want a main card(for example: visa, discover) and not a store card. Thanks for any help.

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If I were you, I would keep those 2 you currently have. You will build credit over time with them, and unless you are looking to purchase a home or car soon (be nice to pay for it in cash - if possible), I would only stick to those credit cards.

You don't want to keep getting denied and having those inquiries on your credit report.

Make sure you PIF with the credit cards you are using each month.

Good luck with everything!

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