- Centurion Member
- Posts: 257
- Joined: Sun Oct 14, 2012 10:22 pm
- Location: California
Update: The chiropractor is willing to consider getting the account and paying the fees at no cost to me so that they have recourse against patients that stiff them, but I'm not holding my breath. If they did get the account, they'd report the installments. If someone could point me to a link as to where to apply for accounts with the 3 bureaus I'd appreciate it, so I could forward the info to them.
@DoingHomework: I don't think my consultant, provided by the University, was trying to scam me into a loan, I've read about the benefits of a diversified lending history on these forums and elsewhere as well. Still, I probably won't be taking out any unnecessary loans that charge interest. That said, I'm focusing on both. As I'm a full time student and only a Freshman, I have a ways to go towards getting that steady job, but I'm trying very hard to get internships and summer jobs (unfortunately most internships won't hire underclassmen). I feel confident I will have the 20% downpayment by then, I've already got a substantial chunk of it invested in stock, but won't I need credit history as well as income to get a mortgage as soon as I get my MBA and first real job?
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012