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Huaren
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catalonia8812

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[求助]为什么我去查credit score,结果网上和客服都说no score avaliable

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2012-02-03 16:20:00

我想申请信用卡,听说银行会根据个人的credit score来决定是不是拒还有额度。我在credit report上查的,往上说no credit score available, 让我找customer service. 我打电话过去问,结果人客服也说我没有score....... 有谁知道这个是怎么回事啊!!!!
Huaren
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treepose

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2012-02-04 00:22:00

 还没信用卡呢吧?
没信用卡 没credit
Huaren
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catalonia8812

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2012-02-06 00:30:00

那这样没有credit score能伸什么样的信用卡啊?
Huaren
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treepose

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2012-02-06 11:28:00

以下是引用catalonia8812在2/6/2012 12:30:00 AM的发言:
那这样没有credit score能伸什么样的信用卡啊?
大银行的secured card
或者某些银行的学生卡(有概率拿不到)
Huaren
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zhuzhu89

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2012-02-06 12:42:00

跟你一样,只能申请secured card 这是最快最安全的方法
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catalonia8812

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2012-02-06 22:33:00

哪些银行有secured card? 是不是只要google一下secured card就可以? 有什么银行可以推荐的么? 谢谢阿
Huaren
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treepose

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2012-02-07 22:09:00

以下是引用catalonia8812在2/6/2012 10:33:00 PM的发言:
哪些银行有secured card? 是不是只要google一下secured card就可以? 有什么银行可以推荐的么? 谢谢阿
BoA
Huaren
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catalonia8812

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2012-02-08 18:49:00

谢谢
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flor

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2012-08-23 12:35:00

以下是引用catalonia8812在2/3/2012 4:20:00 PM的发言:
我想申请信用卡,听说银行会根据个人的credit score来决定是不是拒还有额度。我在credit report上查的,往上说no credit score available, 让我找customer service. 我打电话过去问,结果人客服也说我没有score....... 有谁知道这个是怎么回事啊!!!!

 


You need to gradually build up your credit file. Even utility accounts could help.


No credit score available could mean either you don't have a credit file in the bureau's database or you are not qualified for that specific score (when the score was built, there were some criteria to determine whether a person was scoreable or not)

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Huaren
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treepose

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2012-08-23 14:20:00

以下是引用flor在8/23/2012 12:35:00 PM的发言:

 

You need to gradually build up your credit file. Even utility accounts could help.

No credit score available could mean either you don't have a credit file in the bureau's database or you are not qualified for that specific score (when the score was built, there were some criteria to determine whether a person was scoreable or not)

wrong
utility accounts have nothing to do with building up ur credit
typically, no credit card, no credit.

well, if u have late payments, utility accounts may ruin ur credit
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