Loans or credit cards for people with NO CREDIT?
View your credit file based on any of the UK credit reference agencies, or all three at once
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get a retail card or a unsecured credit card
Loans or credit cards for people with NO CREDIT?Yes you can get loans and credit cards now a days with bad credit score. You have to make some search on yahoo to find out some who offers it in your locality.
To know more you can visit
http://geteasyloans.blogspot.com
and
http://creditcardbiz.blogspot.com
Loans or credit cards for people with NO CREDIT?PRBC was mentioned above, but I wanted to add on because it really could help you and your fiance. PRBC is a national credit bureau - similar to Experian, Equifax, and TransUnion. However, PRBC offers some major differences - the most important is that you can build a credit file using non-debt payments you've made (i.e., rent, phone, cable, electric, daycare, utilities, insurance, etc.) These types of bill payments aren't reported to the other bureaus unless your payments are late or missed!
Other differences:
1) Anyone can choose to sign themselves up. You don't have "have credit to get credit."
2) You can self-report your own payments.
3) You can look at your file any time you want, and as much as you want - for free.
Take a look at this page - http://prbc.com/consumers/how/mortgage.p... It describes how you can build a credit file and use it to get a mortgage. 12 months of on-time payments for rent and 3 other bills (barring negative credit from the other bureaus) should put you in very good shape to qualify for a good mortgage. The longer history of on-time payments, the better your file will look to lenders.
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