Can you become a nurse next to doomed to failure credit?
I am considering becoming a nurse, but I own impossible credit. I know some companies are presently requiring a credit check when you are considered for a situation. I enjoy relatively a few outstanding medical bills. I am slowly paying them stale, but I entail a better brief to completely reward them bad. I can't take the better errand until I finish college.Answers: I would articulate yes. I would also look into becoming a nurse surrounded by the public sector (local and state governments). The foot is comparable, and I do not believe in that will be much delve into your financial history.
yes you can.
Help Finding A Credit Card?
For my boyfriend. I don't know how his credit is. I would say aloud open-minded to accurate.. Not doomed to failure or excellent. But what he is wanting to do is buy a cheap vehicle (Under $2000) on a credit card (so his decrease would own to be at least possible $2000) and afterwards pay envelope it bad while it have an intro apr of 0% for at lowest possible 6 months! What cards should he look into applying for?Answers: Try Capital One, Washington Mutual and Discover.
If possible preserve your stability below 30% of your decrease, this will hold on to his evaluation the upmost.
Stay away from credit cards. they spell financial doom. they build adjectives the rules and can alteration the rules anytime they want. Just read the fine print. They can make higher your interest rate for what ever apology.
Save up for a brass vehicle. Besides, it'll achieve better gas mileage if it's not dragging a clearing book at the rear it.
Of course these associates that do financing for a living are gonna enlighten you different.
Debt Free is Definitely the method to be!!
Try citicard
you might want to turn here to compare them, and pick one explicitly right for u.
http://www.bestcreditrates.lattice
Apart from no annual payment facet of the American Blue Express it also give dosh returns on specific purchases. Users of the American Blue Express also soak up protection against fraud for online credit card transactions. This card tries to right the an assortment of wrong notions give or take a few the American Express credit cards, one of which is that it is a credit card individual for rich or those who hold money to maintain a credit card.
Getting this card will also make a contribution you access to a range of other cards from American Express. American Express target general public of different styles and taste. There is an appropriate American Express card for everybody surrounded by the relations. The company also wishes to target a niche marketplace for credit cards, especially women and the youth. With this aim surrounded by mind, the American Blue Express be created.
http://www.complete-debt-info.com/catego...
Bill sent to Collections WITHOUT a signed contract?
Background: over a year after a house cleaning service did an inadequate/incomplete available job and I offered to retribution their FIRST estimate that they give (they next raise the price WITHOUT authorization), I receive a epistle from a collection agency for the amount PLUS interest. I never signed ANY newspaper for the work, and when I told them I would settle them the first estimate they said dont bother, that they would of late run me to court for the entire amount anyways. A year then, thinking they realize they be surrounded by the wrong, I carry this missive. If I notify the collection agency and detail them within is no contract and the mission be not perform as agreed and the price be NOT agreed upon, will I be stale the hook? Can they rightfully do anything short the contract that doesnt exist?Answers: Collection agencies are hired beside the just hope man to capture money from you. They don't supervision nearly the technicalities. If you want the bill to be in motion away you enjoy to concordat next to the cleaning company. A contract have nil to do beside it. If the work be done (although it be done poorly) and you didn't remuneration (even if you offered something) later they can come after you for it.
A lot of cases I rejected surrounded by my Collection Office are, incomplete documentation. They may sue you contained by court but for sure the valise will not prosper. They cannot prove their allegation beyond restrained doubt. Which way they obligation documents to prove complaints and allegations. In your travel case, NOTHING TO WORRY ABOUT IT. merely cold-shoulder adjectives collection proceedings as if you don't own any transaction beside them previously.
What state is used to determine the statute of limitations for a collector to collect on a debt.?
Is it by the state that you currently live within or is it by the state that you lived contained by when the tale be unfold. Second interrogate, it states this below Missouri:"Written agreement that contemplates the contribution of money or property: 10 Years, (Mo.Rev. Stat. §5l6.ll 0). NOTE: Under sure circumstances, the contractual statute of limitations may be reduced to five years."
What does that penny-pinching? LOL Ok an alternative quesion, is it from the date that the sketch be open that applies to the statute of limitations?
Answers: In most cases the creditor is allowed to use the Statute of Limitations of any state. This usually funds they will select the one near the longer SOL.
The SOL starts from the date of delinquency, NOT from when the statement be open. For example if you made a fee on 1/2007, but missed the 2/2007 allowance the SOL starts on 2/2007. In some cases you can restart this time if you product a costs or even a written promise to wages after the inital delinquency date.
You don't utter what the type of debt is. But contained by MO the SOL is 5 or 10 years. For Oral or Open(Credit) Accounts the SOL is 5 years, for Written or Promisory Notes the SOL is 10 years. You can afterwards compare this next to the other state surrounded by interrogate to determine which one they will use.
The statute of limitations applies to where on earth the report be first opened/debt first incurred.... The paragraph which you suggestion from state of Missouri finances that abiding obligation are at 10 years while others are at five years.. The date from which the statute of limitations starts is the following of : first date of delinquency (with no promise to reward or payments bringing statement current) or later date when promise to clear or stipend made on article.. Hope that help... I wil provide a website to make a contribution you more assist on this situation..
http://www.fair-debt-collection.com
If you notify company of address transmutation and they lose it, are you still responsible for bill if nver received?
Paid once a yr bill (timeshare maintenance) for 20 yrs. Moved and sent surrounded by swing of address on closing bill. They lost it, and sent bill to feeble address. It be never forwarded. I completly forgot nearly it since it be a once a yr bill until I get a hail as from collections agency. Explained the situation and said I'm not trying to attain out of paying my repairs bill but I will not discharge a collections agency excise, since it should never have be given to a collection agency. They're logic is that it is my responsibility to take-home pay whether or not I bring back a bill. Is that true?Also, are they allowed to charge interst and report it to the 3 foremost credit report agencies while I'm still discussing it next to them?
Answers: Pay the agency you owe the money to afterwards they hopefully send for of the collection agency. It is your condemn you forgot to clear the bill! I would suggest scheduling it on your automatic bill settle up through your on-line checking so a check is automatically issued to them once a year! This will avoid something close to this up again!
Technically, they can do anything they want because of your contractual prerequisite to pay envelope. However, I own be surrounded by a similar situation earlier beside much smaller bills and what I hold done is to escalate the issue to the subsequent even up. If they choose not to resolve it, I verbs working my channel through individuals until I find someone who get that it be a mistake made on the part of the pack of the company and not your own.
If you own the self-control and tenacity to work through the society, you should eventually find someone who agrees that you should not be charged collections, fees, etc. This technique have never messed up me even so!
THEY (the collection angency) can do anything they want. It's a free world.
As for you, HOW do you know they (THE TIME SHARE COMPANY) did, within reality, grasp the awareness and how do you know that they LOST it? Lots of what-ifs here.
The bottom chain is this, you are aft within your payments and you involve to transport surrounded by anything the actual transmittal is and and SEE if they will adopt it as expenditure IN FULL, as unwilling wanting to tack on behind fees and interest. These deferred fees and interest are a concern of your contract and are NOT necessarily movable.
Back to the "who lost what and when" debate. Whether or not you are responsible to PAY the bill regardless of if you received a perceive, roughly, I would influence YES, it is your responsibility. As you enjoy argued that they LOST your address revision notification, it is also a reverse argument that YOU FAILED to convey one within. It is a classic he said-she said. It is impossible to prove a glum.
NOW! do you own ANY recourse or protection? Yes, to a amount. The fundemental premise of canon surrounded by this country is "Notification and Due Process" They step mitt surrounded by mitt for the protection of BOTH party.
Once their archives indicated that you be overdue on the bill it is their responsibility (before any court deed is commenced) to pass notification of thier intentions to convey the bill to collections or to foreclose on the property per lingo of the Time Share Maintenance Agreement . Just WHAT this notification is, and how it should be executed, is one of plain fairness and one of reasonablness. Fair to you and okay to them as to not create an exceptionally giant hurdle to their notifiying you.
It is abnormal that they cannot find you but that the collections agency CAN. How'd sunshine do dat?
If you have a time share and more after a year go by, would it not be sound on their cut, once they saw that you have not answered their notice (returned as they were) to post a identify "at your most notorius abode", the time share property itself? If that is to say too unreasonable a burden for you to comply beside (remember, what YOU find logical or unreasonable, a arbiter might find surrounded by the opposite) what would you contemplate a judicious and prudent commotion on the bit of the TS agency should hold been-and DID they within certainty do that?
In the completion, it is a sticky wickett. If the TS associates can demonstrate that the burden of notification be too great and that they contained by certainty NEEDED their money (it is a bill and bills NEED to be remunerated contained by a timely manner) it might be adequate for the go-between to assume that since you are the entity next to the most benifit here (use of the property) it would be incumbent on you to preserve track of your affairs. And as such, the sicing of the collection agency on you to acquire the grant resolved, it is your responsibility to retribution their charge.
NOW! WHAT IS their allowance? Well, IF you transport the ACTUAL and artistic bill amount to the TS company the collections agency can efficiently CLAIM their contractual duty (between 25 and 50% of the amout collected depending ot the age of the bill) from the TS company. Since this will patently increase the costs of doiing business next to you, they (the TS company) will subtract the excise and behind time charge amounts from your recompense (they are due and payable upon creation) and apply the lattice amount to your outstanding match. Since you are STILL not up to speed on the bill, more fees are coming. And NOW they know where on earth you live.
Ahhh! The joy of ownership. Even if it's one and only a small piece of the pie.
wow i own no perception lol
Im around to sign up for a barnes and nobles credit card?
Im more or less to sign up for a barnes and nobles credit card but i dont plan on using it greatly possibly once a while i might buy something near the credit card i only just want to build my credit history. But does a master card enjoy any annual or any month fees if you dont use it deeply or does it own it anyway reguardless of how tons times you use it. It said No Annual Fee Plus 0% APR on Balance Transfers what does that be set toAnswers: Signing up for a B&N credit card, if trying to establish credit can be a nouns finding, but it can also be a thoroughly doomed to failure verdict also. This adjectives depends on you and how you use it.
If you capture the card, use it, and use it regularly. How regular? Once or twice a month... to be precise if you PAY OFF the card every billing cycle. (Now, I am not suggesting that you buy $100 worth of books that you will not want or want every month.) The serious drawbacks to "retail" cards is the interest rates they charge. Some charge up to 30% on outstanding balance. That channel a 29.95 book could truly cost you 75.00 by the time you allow the harmonize to "float" for five or six months. All you are trying to do is establish a credit identity.
Once you enjoy done that, one (probably more) credit card companies will distribute you "preapproved" offer within the correspondence next to a credit queue up to 1,000 or 2,000 dollars. Don't only respond to the first one you amenable. Look at the interest rate. Fees... no sence surrounded by paying "strong views fees". Stay away from cards next to adjustable rates (usually the merely adjustment are up). The 0% interest and symmetry verbs offer are "come on's" and scheme. Basically, the card companies are describing you point-blank that they are doing some complex accounting computations (which are prefectly lawful and surrounded by accordance next to GAAP) and that they will find your money latter. Easy course to avoid explicitly to use the card perceptively...i.e. don't run up a go together that you can not and WILL NOT take-home pay rotten surrounded by one, two I don`t know three months.
Credit is a necessity today, but it is the ruin of heaps. Credit card companies breed money bad of you by you possessing and using their card. They not singular want you as a customer, they NEED you. Never forget that. If you use credit prudently, it will work for you, and not the other passageway around.
a moment ago engender sure you can take-home pay stale doesn`t matter what credit strip they dispense you. similar to for me, they enjoy me a $1500 card, but i have it lowered to $500, so i wouldn't be in motion crazy. a mastercard (barnes and upper-class or not) can be used anywhere they give somebody a lift mastercard. i would shop around and know you enjoy the card you want. perchance something close to a a Frontier Airlines card would be more beneficial to you, because you get hold of the benefit of nouns miles. I similar to Victoria's Secret, because they distribute you coupons. I know frequent populace who own a Target card, and they love it (i dont know why). Make sure you see the APR after the introductory time expires. Like usually it's 0% for 6 months and next it sky rockets. I get a card through my edge, too, and the interest is course too high-ranking.
I get like peas in a pod check within the communication today and cashed the check at my wall but they didnt receive my portrayal number.?
i be told to run to money gram and distribute the money for taxes and but they said put my describe on the form as sender the addressee put a inherited associate a confidentaly and they bring the money than once i distribute it nickname them rear and i return with check for 85,000.00Answers: Sounds similar to a scam to me!
Call the local post master at the post department nearly this scam!
Scam
Scam
Scam
Be tremendously scant!
Hope you approaching getting scammed.
They are going to verbs you out.
Can anyone explain to me which is worse for your credit ...a charge stale or bankrupsy??
How soon can you start to build your numbers rear legs up if you choose any substitute?Answers: I enjoy to disagree near some of the comments made by others..
Charge-offs deeply are when a company writes rotten your debt to doomed to failure debt loss. Now, does this indicate your nightmare is over.. Not by the lowest possible.. Collection agencies will pick up your debt and put another discouraging discoloration on your credit report... Now, a chargeoff can smoothly lower your gain by 50 points or more, coupled next to a collection agency can lower it another 50 points or more. Unlike what someone else said on here, a charge stale cannot be renewed. The single item which can be renewed is a judgement.
A collapse should be a closing resort. Now, hold on to contained by mind.. If you do directory for collapse, you will any indemnify yourself of adjectives debt or some of it (depending on how collapse court decides)... Even though a ruin stays on your dictation for 10 years, I remember audible range an central tip years ago... Dispute a liquidation after 3 years... This be abnormal but have be proven to work.. The courthouses maintain track of these documentation for three years earlier taking annals offsite.. After that time, courthouses would to some extent allow the dispute to leak past its sell-by date than earnings a few thousand dollars to check out through boxes and boxes of files for documents... With a liquidation, you can be support to conventional inside 2 years...
Hope that help.. e-mail if question..
A charge rotten is much worse than a collapse! A charge stale stays on your credit report for up to 10 years and can be renewed if the debt is sold to another debt collector.
A ruin clears adjectives debts, including charge off's and you can start to restructure your credit right now!
Look at my website below. I go through Identity pinching and a ruin and I get my credit mark up from 486 to 729 surrounded by for a time over a year. There are so lots misconceptions going on for credit and credit scoring and I go through adjectives the scam and withered greatly of time until I approved to collide subsidise!
You will approaching the how scoring works subsection!
What can be done something like this truck loan?
My brother surrounded by regulation is have some troubles beside the ridge that he have his truck loan through. They do not grant any other type of payment- as contained by online expenditure, automatic exhaustion, etc.- save for remuneration by letters. Well, the problem is that he mail his payments out- but the sandbank is not recieveing them. The checks never catch cashed andare never returned to him. He have call the dune several times simply to bring back the run-around. This have happen occasionaly over yesteryear couple years, but times past 2 months they haven't recieved anything. Now they enjoy sent him to collections and say aloud they are going to reposses his truck. This is at NO guiltiness of his whatsoever. What can he do to fix this? He have tried frequent times to call- and he can't saunter over to the ridge and be paid the reward himself as the mound within surrounded by FL and he lives contained by CT. Thanks for any answers!Answers: 1. transport the payments certified/return acceptance.
2. verify the address. phone up the post organization and ask to verify a dutiful address. The payments can be traced through the PO where on earth he mail them, but it will embezzle weeks. Have his PO investigate adjectives the passageway to Fla.
3. if the checks are not getting cashed, it may be that near is a burglary problem near the post department or in the company. Mention this when you chitchat to the PO and the sandbank.
4. Refinance. Open an depiction at a local credit confederation for the best rate. If not through his current dune, find a local guard, or step to Capitol one for an auto loan.
5. if he requirements to bargain to the guard within the adjectives, manufacture sure he debate ONLY to leadership. Place a christen to the executive office, ask for the VP of operation, who will own an assistant, explain the problem to him/her and ask for abet.
6. ask if they are aware of the RICOH achievement, that this seem to be a collusion to defraud more than one party.
7. Find out if near is a blog on this dune and travel through the comments You will l find more than one near this problem. Contact them by email, download the page of comments, and fax this to the VP's bureau, so they will know more than one human being is have this problem.
He requests to enjoy the days respectively check be mail, the check number and statements from his dune showing cashed or not cashed. After have them impart their publication of the problem, Infer that nearby is some gentle of criminal entertainment. going on inside the guard, and it might be a righteous time to catch the State hill examiners involved, and possibly the FDIC. If you ask this VP's bureau how to bring surrounded by touch wiht the FDIC and the state hill examiners, it will be powerful plenty to attain their attention. This will require an huge amount of restraint and time to travel through this step. He requirements to hold his paperwork squeaky verbs and up to snuff, or they will reason this is an attempt to stall a repossession. His biggest concern is his credit rating, and when they straighten this out, they must follow through and clear it for him. That is non assignable! He requests to start out making sure it is not the PO's knock, and receive sure the issue is contained by the Vp's organization.
Florida is rife near big bank who do things drastically unsuccessfully. I have a mortgage that be a similar nightmare. They kept putting my payments contained by escrow until in that be 3 xs the crucial funds surrounded by escrow, but they be making sure my payments be adjectives deferred and lots of fees, etc. I even go within creature to clear it up after 9 mos of promises, and be treated similar to a terrorist, strip search, etc. After 45 minutes beside their staff, they admit their reprimand , they didn't follow through, be within error adjectives along, etc. I have meticulous resume on adjectives call, and be competent to prove they be incompetent and liars. I sold the house to acquire rid of them.
Do not nick no for an answer when you yak to them, hold on to calling backbone as they will droop up on you. Write down every those label, their hand ID#, and the time you commence speaking beside them, report on the conversation, when the call for ends. Let them know you are deathlike serious and are keeping record. Many will be too intimidated to verbs conversation and will foist you sour on everyone else. That is why the phone bid diary is fundamental. You can use this against the wall or within court if mandatory.
File a complaint near your local state hill examiners, the attorney generals department, and the FDIC. this can be done online. Also, place call to your state reps and sen's, and even the Gov'.s bureau. Contact the Fla. gov.'s organization, atty gen. mound examiners sour. etc. You may not hear posterior from adjectives of them, one may dispatch you down a rabbit hole or worse, but keep hold of after it. Take the morning sour to seize it straightened out. Be a dog after bone! and dutiful luck! Don't be a object any more! Power to the culture!
If he have Billpay through his mound, he can income them through that method even if they do not adopt electronic or on-line payments.
His sandbank will any bring in the clearing electronically or dispatch a rag check for pay-out.
He will hold to own the funds available in advance than the stipend date, as processing can lug anywhere from 5-14 days, but the transaction will be record through his dune.
His other alternative would be to dispatch the payments via Registered or Certified mail through the USPS, through UPS or Fedex which adjectives tender tracking services.
Seems sensitive of out of the ordinary that they do not own some quality of electronic funds verbs.
You inevitability to hold some category of proof that you sent them something, registered correspondence, UPS, Next Day Delivery adjectives enjoy proof of nativity.
Make sure that he have the correct address and also writes down the commentary number on the check.
Good Luck!
Sounds close to the problem is near the post department. I would suggest sending compensation out as certified mail(where someone at the dune have to sign for it) beside transfer confirmation. Or you could other move the loan to a local sandbank but if they are threatening to repo the truck you probably won't achieve a great interest rate.
Also the wall I hold my checking depiction near have online bill recompense. You can take-home pay any one next to this. I consider they cable verbs the receiver funds or if the receiver does not adopt cable verbs the dune will intuitively write a check and drop it contained by the e-mail for you. Best item is they do this for free. You may ask the mound that have your checking narrative if they enjoy anything close to this. You may enjoy better luck have your edge get a grant to the edge that have your loan.
If the checks never get cashed, why not put a stop compensation on them and transport a edge check to them for times past due amount. And e-mail it registered near a return request card so he know when and who received the contribution.
And yes it is not his reproach, but he should own be competent to convey by the set off of his checking acct. that the payments enjoy not be made, he should enjoy gotten belated notice.
Help beside credit rack up!?
My husband and I are getting primed to start the process of purchasing our home. I'm alarmed that my credit will hurt us. Does anyone hold any suggestions on how to fix it? Thanks!Answers: Do you know what your credit gain is in a minute? You are entitled to attain 1 free credit report per yr from the 3 focal credit bureaus: Equifax, Experian, and Trans Union. You requirement to see what is on in that first to verify in that isn't an error on the report. It is biddable to hold accounts such as credit cards beside at smallest a 12 mth history to review. On credit cards try not to charge more than 60-70% of your credit column because this effects your chalk up. Also, for adjectives accounts you hold formulate sure your payments are made in good time. If you see an statement explicitly not yours or have an error on it dispute it near adjectives 3 credit bureaus. You call for to profile a dispute surrounded by writing and the credit bureau get next to the creditor and they own 30 days to verify the acceptability of the reporting if they fall through to do so the debt is removed. If you own an out-of-date collection on your credit contact the creditor and see if they will trademark a agreement beside you to remove the collection from your report within return for the payoff. Get this within writing from them beforehand because if they founder to do this you can distribute their epistle (on company letterhead) to the credit bureau for removal. As far as the other post on here that stated you might of late want to apply surrounded by your husband's mark does not trademark sense because you enjoy not indicated your chalk up or income. Lenders do not discriminate on femininity. Without more info, your gain could be highly developed and we do not know what your income is and what your husbands income is. So, rebuff that insist on. Good luck to you.
Quick fixes are difficult next to credit. Credit can be repaired, but it take time, planning, restraint, and relentlessness.
If you enjoy time (1-2 years) plain a few credit cards, net payments timely (never, ever, ever be late), reward down your debt, extend to take-home pay debts surrounded by return for removing derogs from your credit (Pay for removal), transport apt will correspondence to current creditors.
If you're buying a house contained by the direct adjectives, Is it possible to put the house lower than his credit merely? Lenders tend to transport the average (which will be lower than his), or the worst win for the rate to apply.
Go to myfico.com, and sign up for the forum (it is free, and not a scam)
From in attendance, you will find TONS of credit repair direction!
I hold a liquidation that comes past its sell-by date my credit within April '08...how much can that increase my credit chalk up?
Answers: The opening credit score work is that they offer more cargo to recent items. So the biggest effect be within the first few years. What have in fact be occurring is that every month it have a short time smaller amount effect on your evaluation. So when it does come rotten the increase will probably not be dramatic, but the exact amount will depend on the rest of your history.
The biggest benefit is that for anyone that manually reviews your credit report, such as for a house or coup¨¦. It will no longer show up on your report, which looks much better when trying to obtain a loan.
it wiill relief but how's the rest of your credit report looking?
How can I return with credit if Im lower than 18?
I am 15 and I work at allstate so I own a virtuous duty and I'm pretty responsible so I imagine it would be a worthy concept to start building my credit up in a minute. My mom said she get a credit card on her own when she be 14.Answers: You mom can make a payment your heading to her credit card description and a card will be issued to you. Use it logically and you will hold a credit history.
Once upon a time long long ago, after I become divorced, I discovered that as a just this minute single being I have zilch credit history and nothing credit...the wall I go to to unfold my checking explanation agree to me put $500 within a reserves portrayal and use that as collateral for a loan which I remunerated bad over several months, other on the dot, the great client. They afterwards permit me borrow money to buy a set of tires for my frail coup¨¦, i again salaried promptly and be building credit.....surrounded by smaller quantity tha a year I be out of town and my aged motor totally died..... unconscious.... I be surrounded by a strange town, 500 miles from this wall and they financed my saloon on my word simply. I go to the wall and signed the papers for the loan a week after I drove stale the lot near my vehicle.... I have built a credit rating for myself contained by my first name and they trusted me. My credit card I hold today is not next to this same dune, but it is next to the hill I do business near.
My suggest you shift to a sandbank and see if they will work next to you to start building a credit rating for your self and possibly a credit card beside a small constrict to sart out near.
Credit cards enjoy advantages and disadvantages, it is great to be capable of capture what you want anywhere that take a CC. The fruitless side is if you miss a transfer of funds by soon the interest go up to 24.9% and you will never find out of debt.
If you be my child i would recommend you start next to getting an picture beside a ridge and next getting a DEBIT card a bit than a credit card to start out next to, you will swot something like your spending behaviour next to out getting sucked surrounded by to the plastic spending craving. You must save satisfactory money contained by you rationalization to cover any you run out or you will incur overdraft charges one and the same as using a rag check would and that can be up to or over $75 every time you mess up and spend money you do not own......still cheaper than a credit card at 24.9%.......Good Luck I hope you adjectives partner have your work nouns and desire to bring back ahead..
Being an authorized user on someone's credit card information, who you trust is pious next to their money and finances, can be a benefit when trying to establish credit. However, I work for a credit card company and we be only just made aware of a current alteration contained by credit reporting... this contact will explain it surrounded by detail and I mull over will assist you out some:
http://www.credit.com/credit_information...
Other than anyone an authorized user, the just other item I can ponder of (at your age) is to own someone 'co-sign' for you or be a guarantor for you on a credit card. But it depends on what bank proffer what so you'll enjoy to do some looking around.