Comments on: Is there any way to get a secured credit card without a credit report being pulled? http://www.topcreditresources.com/credit-report/is-there-any-way-to-get-a-secured-credit-card-without-a-credit-report-being-pulled Tools and information about Credit, Loans, and Debt Sat, 21 Jan 2012 13:12:59 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Jim Q http://www.topcreditresources.com/credit-report/is-there-any-way-to-get-a-secured-credit-card-without-a-credit-report-being-pulled/comment-page-1#comment-884 Jim Q Sun, 11 Jan 2009 02:15:59 +0000 http://www.topcreditresources.com/credit-report/is-there-any-way-to-get-a-secured-credit-card-without-a-credit-report-being-pulled#comment-884 "Too many inquiries" is rarely impacting your credit score. If these inquiries do end up opening credit to you, that will have an impact (if suddenly you went from no credit to $50k). I cannot explain why the bank needs to run credit if you are securing the entire line of credit with cash money. Generally I have never seen/ experienced any situation where credit score/ report was not run when applying for credit. The best way to increase your credit score is to get the secured card and use it and pay it off every month. You can also build credit with car payments, utilities, store credit card, etc. You need to have credit history to have a credit score. Too little activity is not a good thing. Also you can find some advice here... http://creditreport.fateback.com Have a nice day. <br><b>References : </b><br> “Too many inquiries” is rarely impacting your credit score. If these inquiries do end up opening credit to you, that will have an impact (if suddenly you went from no credit to $50k). I cannot explain why the bank needs to run credit if you are securing the entire line of credit with cash money. Generally I have never seen/ experienced any situation where credit score/ report was not run when applying for credit. The best way to increase your credit score is to get the secured card and use it and pay it off every month. You can also build credit with car payments, utilities, store credit card, etc. You need to have credit history to have a credit score. Too little activity is not a good thing.

Also you can find some advice here…

http://creditreport.fateback.com

Have a nice day.

References :

]]> By: Ed Atun http://www.topcreditresources.com/credit-report/is-there-any-way-to-get-a-secured-credit-card-without-a-credit-report-being-pulled/comment-page-1#comment-883 Ed Atun Sun, 11 Jan 2009 01:31:59 +0000 http://www.topcreditresources.com/credit-report/is-there-any-way-to-get-a-secured-credit-card-without-a-credit-report-being-pulled#comment-883 Fair Isaac says that "credit inquiries" no longer hurt your credit score. They understand that shopping at 4 car dealers can result in 4 credit "pulls". The new Rush credit card has no credit report. You are prepaying the entire amount of the card's limit so the bank has zero liability. No need for a credit check..<br><b>References : </b><br> Fair Isaac says that “credit inquiries” no longer hurt your credit score. They understand that shopping at 4 car dealers can result in 4 credit “pulls”.
The new Rush credit card has no credit report. You are prepaying the entire amount of the card’s limit so the bank has zero liability. No need for a credit check..
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]]> By: Sarab http://www.topcreditresources.com/credit-report/is-there-any-way-to-get-a-secured-credit-card-without-a-credit-report-being-pulled/comment-page-1#comment-882 Sarab Sun, 11 Jan 2009 01:10:59 +0000 http://www.topcreditresources.com/credit-report/is-there-any-way-to-get-a-secured-credit-card-without-a-credit-report-being-pulled#comment-882 Go to http://www.cardhub.com/ select Bad credit on the top left and then select secured credit cards. All of these credit cards will approve you no matter what (as long as you place the deposit). Once you get approved then you will start building credit very fast!<br><b>References : </b><br> Go to http://www.cardhub.com/ select Bad credit on the top left and then select secured credit cards. All of these credit cards will approve you no matter what (as long as you place the deposit). Once you get approved then you will start building credit very fast!
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