Teens Credit

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Teens Credit

Welcome to Teens Credit, a place for teens and students to learn about building credit.This site will be from my personal experience and research. This site will give you the foundation needed to buy...well, anything.

Who I am and what this sites about
My Name Is Michael Penrod, I'm am 19 years old and I live in Spring Hill, Florida. I am A Freshman In the Local Community College. I Am currently trying to build up enough credit to get a home loan. At my current job I make around $1,000/month. Which sucks. I will give you my advice and opinions in a simple and easy to understand website. I had to weed through all the credit card offers and hard to understand words to comprehend it all. By the time you get done reading this website you'll have a real solid foundation for this stuff and be able to build up your credit score in no time. Hopefully soon I will have built up enough credit to buy my first house!

 

Why Credit Is Important

You need credit to buy practically everything. It's kind of ridiculous. They tell you, "You need credit cards to build credit, and NO, you don't have enough credit for us to give you one." lol. So then you ask yourself, How am I suppose to get credit if no one wants to give me credit? This is the hardest part of the nutshell. Hopefully I will be able to help you fully understand how to start establishing a line of credit without having credit.

 
Top Credit Card For Building Credit

This is just one of my preferred credit cards, there are several and you can see them all by visiting the tips for getting credit as a teen page.

My best selection so far is the Circuit City Card! It is GREAT for first time credit card people because it's fairly easy to get. All you have to do is run down there, fill out a credit card application form and you get approved/disapproved instantly. Nothing beats getting instant results.

If you are denied don't worry, there's a ton more credit cards out there that are really easy to get. Next I would try A student credit card. If your a student at a college there normally easy to get, some schools even offer student credit cards through the school! For more information on student credit cards, visit the tips for getting credit as a teen guide!

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