MR.SVT wrote:No sir, I have not. I probably should check it out, just not sure where to order a report from, will look into it. Just to clarify, do you mean check my report, or my score?
Since you want to "start building" your credit, I'm assuming you don't have any credit history? You say you have no loans and no credit card, so chances are you won't even have a report to look at lol
I've read that some people have been denied for the Citi Forward and Discover IT (student versions) for having no credit history, but I've also read that people have been approved with no history, so anything goes, I guess. Oh, and I definitely recommend the Citi Forward over the Dividend based on your spending patterns. The Dividend's rotating categories have been pretty underwhelming in comparison to the categories from Discover and Chase.
In the case that you get denied for either the Forward or IT for having no credit history, I recommend applying for a basic, non-rewards student card. Which bank and/or credit union do you use? I got my first credit card when I was 18 with Bank of America. Crappy bank, boring card but hey, I used it responsibly and have an excellent credit score along with three more great cards!
AMEX BCE ($20,000), Citi Forward ($6,800), Discover IT ($5,250), BoA Travel Rewards ($1,800)