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how to build credit

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1 reply to this topic

#1 atvman

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  • 1 posts

Posted 28 February 2012 - 08:27 PM

I just had a question about my gf. She works gets $19/hr but it's only casual call in. So now she gets ei (1000month) plus maybe two or three shifts a month

at $150 a shift. In the summer time she usually gets full time hours for 3 months at around 3200 month. She is looking for ways to built credit. She would like to get a used car but she has nobody

to cosign so that is out of the question. She has a student loan that she has been paying since 2009. It was a 15000 loan at 150 a month and she has two credit cards. One is capital one which has

a balance and she just got a scotia bank one because somebody told her that credit cards from a bank it better from building credit. She has no balance on that. So should she cancel the captial

one and put that balance on the scotia bank or keep both? She has the captial one since 5 years which started off as a student one and kept building it up. So would a personal loan be a good

option? any options would be greatly appreciated!! She wants to start building credit but really do not now how. Would getting her name put on another loan or cc be a good idea if the primary

holder has exxellence credit?

#2 Burgerwars

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  • 3,842 posts

Posted 01 March 2012 - 09:12 PM

Suggestion: Post this instead in the main Credit Forum. It's kind of lonely over here. Your question doesn't look Canada specific. You'll get more replies over there.

Edited by Burgerwars, 01 March 2012 - 09:13 PM.

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