M
Mariapuggums
Guest
How should I go about obtaining a loan ? How should I go about this procedure If I have chosen all this while to not have credit cards at all so I don't get any debt.
Prelim. story: Like I said I haven't ever had credit since I did not ever need or want this until now at all and was living with a relative and providing them living assistance and they had enough money for us both. I am a twenty something legal US citizen. If I am not able to get loan to buy a home at all under any circumstances I hardly see this as fair or sensible and seems they want to punish someone and throw them into the consumer rat race so they'll have the chance of screwing up more. Are there any manners to get a loan without having built a credit history. I am so proud of myself for not having gotten involved with debt... So do I have to get involved with the risk of late fees and get a credit card just for show for the loan to be approved?
If not then how long does credit history have to be built exactly and also does this be the same by each state?
Intentions are For a land that has a small house loan. Don't say any smart ellicky comments to me about the current state of the economy either. thanks. I know how "bad" the economy be. I don't wan to not involved with credit card usage to build "hype" and record of up for myself longer than I have to.
If not a credit card then what types of credit do I need then?
Prelim. story: Like I said I haven't ever had credit since I did not ever need or want this until now at all and was living with a relative and providing them living assistance and they had enough money for us both. I am a twenty something legal US citizen. If I am not able to get loan to buy a home at all under any circumstances I hardly see this as fair or sensible and seems they want to punish someone and throw them into the consumer rat race so they'll have the chance of screwing up more. Are there any manners to get a loan without having built a credit history. I am so proud of myself for not having gotten involved with debt... So do I have to get involved with the risk of late fees and get a credit card just for show for the loan to be approved?
If not then how long does credit history have to be built exactly and also does this be the same by each state?
Intentions are For a land that has a small house loan. Don't say any smart ellicky comments to me about the current state of the economy either. thanks. I know how "bad" the economy be. I don't wan to not involved with credit card usage to build "hype" and record of up for myself longer than I have to.
If not a credit card then what types of credit do I need then?