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SVTPerformance's Chain of Restaurants
Road Side Pub
N/A credit score.
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<blockquote data-quote="Dynobrat" data-source="post: 15579287" data-attributes="member: 164427"><p>There's a lot of crap info on here. Seriously. I'm a retired bank employee. Don't listen to any of it. You establish a credit report and history as soon as you request to open something as simple as a bank account with overdraft. If you have no previous credit history, and no personal banking history with a bank, this gets progressively worse or better. You can have a green credit score and have never borrowed a thing in your life. You can start with a bank account overdraft. If you have no prior credit history it would be best to have at least one year of direct deposit and no delinquent activity you will probably be approved for an overdraft. Once the bank submits the application for the overdraft, an electronic request is sent to usually both credit reporting agencies and this is what gets the ball rolling. This is basically what creates your credit profile with the credit agencies. Then all the rest of the algorithms come in. Tel#, paying you cellphone bill, age, length with employer and time at address etc.</p></blockquote><p></p>
[QUOTE="Dynobrat, post: 15579287, member: 164427"] There's a lot of crap info on here. Seriously. I'm a retired bank employee. Don't listen to any of it. You establish a credit report and history as soon as you request to open something as simple as a bank account with overdraft. If you have no previous credit history, and no personal banking history with a bank, this gets progressively worse or better. You can have a green credit score and have never borrowed a thing in your life. You can start with a bank account overdraft. If you have no prior credit history it would be best to have at least one year of direct deposit and no delinquent activity you will probably be approved for an overdraft. Once the bank submits the application for the overdraft, an electronic request is sent to usually both credit reporting agencies and this is what gets the ball rolling. This is basically what creates your credit profile with the credit agencies. Then all the rest of the algorithms come in. Tel#, paying you cellphone bill, age, length with employer and time at address etc. [/QUOTE]
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SVTPerformance's Chain of Restaurants
Road Side Pub
N/A credit score.
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