chillihotdog
New member
I have no credit card or department store card or secured credit card. I have a joint account with my spouse and I only use a debit card for payments. Until recently I did not have my own bank account. I opened it cos I feel I need to start building a credit history of my own. I haven't checked my fico score but I think I don't have one since until now I have not been in debt. I applied for unsubsidized stafford loan to attend uni this fall. I want to know how this loan affects my FICO score...if it affects it at all since I don't think I even have a fico score. I am aware that I can check my fico once a year but I want to put that off until I've at least begun using a credit card. I also want to know whether my applying for a student loan reflects badly on my spouse's fico score. Your advice is much appreciated.
I've been in the US for nearly 2 years and all this is new to me. I got my first job in February of this year. Please answer soon.
I've been in the US for nearly 2 years and all this is new to me. I got my first job in February of this year. Please answer soon.