How do i have bad credit without ever having a credit card?

Im 20 and I applied for a kohls credit card and they denied me for bad credit but i have never ever owned a credit card or anything. I have loans for college but thats it. So how can i have bad credit without ever having credit. How am i supposed to get a credit card ever if i have bad credit?|||If you've ever paid a student loan payment late that hurts your credit a lot. Same goes for if you've ever had a negative bank balance or if you've paid any other bills in your name late.


The best thing you can do is check your credit report and make sure all the information is correct.|||If you only have student loans, it is more likely that you have limited credit, instead of bad credit. Student loans in deferment do nothing to build your credit history.





You should pull your credit report (AnnualCreditReport.com) and see what actually shows. It could be errors on your report or it could be that someone (usually a relative) used your ID to open accounts.





If it turns out that it's just a lack of credit, you may have to start with a secured card -- you pay a deposit which is held as collateral against the line of credit.|||A rejection isn't always about bad credit and missing payments. It might actually be that the bank that runs the card doesn't think you earn enough money to support your rent, student loans and a new credit card.





Check the rejection letter for the actual reason (however vague it might be). If you were turned down for something in your credit report, the letter will say so and mention that you're entitled to a free copy from the reporting agency they used.|||What was the actual terminology they used? Was this in a letter form that they mailed to you??





When someone is denied, the reasons given never actually say "bad credit", even though that is what they might mean.





You said you have school loans. Have you EVER been late with a payment?





Have you actually seen your credit reports? If not, get them here for free by law: https://www.annualcreditreport.com/cra/i鈥?/a>





Don't buy the scores, they're meaningless. Also, those reports are available to you for a short time (2 weeks if I recall) so print them up or at least save them as word docs.





If you've never checked your reports, who knows, maybe someone got ahold of your social %26amp; opened up some cards in your name. No telling. Anywho...get those reports %26amp; find out what is on them. Under the section of "Inquiries", you'll see which report(s) that Kohls pulled.|||When was the last time you checked your credit reports?


They are free once a year (all 3) at:


Annual Credit Report.com


No need for the score - useless since you want to review all the reports line by line





How did you know you got turned down for bad credit?


Maybe they turned you down due to your age (must be 21 or older)


Or your income is too low to support a card


Or, you have not had employment for over a year.


Anyway - you should know those 3 reports - every single line- your responsibility|||At 20 you, by definition, have bad credit as the law was changed to make it very difficult for you to get a credit card.|||Pay-up your student loans they your credit ratings will improve.|||What you should have is a lack of credit. To make sure, pull all 3 of your reports and make sure your ID has not been stolen.|||see if someone has been using ur information|||If you have a bad credit score because you have defaulted on your mortgage or other loans too many times, you may despair of ever getting the credit you need again. However, there is hope. You need a bad credit credit card and indeed you can most likely get one, even if you have no credit history at all. Most adults with regular lives find that they need a credit card to make major purchases at least, so you need to make sure you can obtain one. If your credit is bad, you will still benefit from getting a card for those with bad credit.





There is nothing to worry about if you have to apply for these types of cards. It is easy. These applications work pretty much the same way as any regular card. Even with bad credit you should be able to get your hands on a secured card. With these, all you do is deposit some money in the account and you are ready to use it. No-one will know that you are buying things on this type of card because they look exactly like the regular ones do. No-one but you - and anyone you may tell, of course - will be aware of the restrictions placed upon your card. It's important that you familiarize yourself with the fine print on the agreement for which you want to apply to make sure it suits your needs. Look out for the fees which are charged - some of them are astronomical!





Bad credit credit cards have a lot of the same pluses that any card does. You can still pay your bills online, get online statements on your account and have very good support from customer services. None of these things are affected just because it is not a prime card that you use.





These days, a lot of people enjoy the benefits of online shopping. You will need a credit card to enable you to take advantage of these convenient services. Even if you have bad credit, this perk of shopping online is available to you, with these types of cards.





Perhaps the best long-term advantage of getting these types of cards is that they allow you to build up your credit score again so you will find it easier to borrow money and get credit in the future. This works because the lender will usually report to the credit bureaus on what you used your card for and how well you kept up with your repayments. If you are careful about your spending and repayments you won't have any trouble at all building your credit score back up.





Therefore, you don't need to worry that having a bad credit score now - or no credit score at all - will blight your chances of getting credit. These types of cards make this easy and can be a great way to build your future financial stability with a better credit score........