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<p><a href=“http://creditunion.net/CreditUnions.aspx[/url]”>http://creditunion.net/CreditUnions.aspx](<a href=“http://creditunion.net/]CUServiceCenter.com[/url”>http://creditunion.net/)</a></p>
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<p>Well, good news: Even though CitiCards thought DS wasn’t worthy of a credit card, B of A disagreed and approved him. It helped that he already has a savings and checking account with B of A, and it helped that the nice man in the branch this morning prompted him on how to answer the questions.</p>
<p>So, the card itself will wind up here within two weeks, I’ll send it to DS, and he’ll activate it and be on his way.</p>
<p>Good job :). .</p>
<p>You don’t have to answer, but I’m curious- could you tell us some of the terms? Credit limit, fees, cash back, etc? I’ve never dealt with B of A so I’m just curious as to what kind of cards they give to new grads with no credit history.</p>
<p>No annual fee. 3% cash back on gas, 2% on groceries, 1% on all other. Don’t recall the credit limit, but it doesn’t matter; he’s probably only going to use the card for on-line purchases. (For everything else he’ll use his debit card.)</p>
<p>Very nice. I need to look into that. Gas and groceries are all I buy pretty much and I only get 1% cashback total 
haha.</p>
<p>Citibank also turned down my D for a credit card…reason …too much outstanding credit for her stated income. Funny thing though, she has no debt or any credit to report on her credit report. So I checked with the 3 credit agencies and sure enough 2 were perfect (nothing on them…she has never had credit!) but Equifax seems to think she has a mortgage (which she got when she was 16…hello red flag!) and a car lease!
Clearly this is not her credit info! I am talking a MAJOR pain to solve this problem.
First off there is no way in the world to talk to anyone at Equifax on the phone! I actually called Experian to see if what Equifax was doing was even correct.
My D cannot see her credit report on line because her info does not match their info. So we sent them a request via snail mail with a copy of her SS card and DRivers Licence included as requested to prove she is who she says she is. Now almost 3 weeks later she got back a letter from them asking for that same info again because they cannot process her request without it!
Thus her SS# and DL are floating around equinox somewhere…and we still have not seen her full credit report.
I suppose bett to know about this problem now rather than later.
So suggestion of the day…make sure you son or daughter checks their credit reports out soon! They too may have bought a house when they were 16! I know in 2006 the banks were giving anyone a house…but come on.</p>
<p>Sounds like identity theft.</p>
<p>Of course thats identity theft. Our friend is VP of Security at Equifax. If you can’t get anywhere going through the normal chain (and ask for the highest level manager you can get) let me know.</p>
<p>I should tell the kids to check their credit records. What a pain in the neck that you have to check this stuff out and get it fixed if the credit bureaus have it wrong.</p>
<p>My kids all have there own credit cards…one stArted with a gas card…whatever it takes, its something they should start as soon as they turn 18. Their own checking account, and savings accounts when they have to get that first apartment having their own accounts helps</p>
<p>My kids had their own bank accounts when they were little. The minute they could get their own checking accounts…they did. They NEVER shared our checking accounts.</p>
<p>bceagle-
if they are on your checking account and dont have any credit cards and havent gotten utilities in their name, they (hopefully) have no credit history.</p>
<p>If you are 18 and have some income, then you can have your own credit card. Am I correct? That includes some high school seniors. I thought most college students got their own cards.</p>
<p>I’m 18 and have a Disney credit card and a target credit card. I have heard that the best way to start is with store credit cards because they are a bit more lenient with who they give cards to so you can build your credit score</p>
<p>It’s much harder to get credit cards that aren’t consigned by a parent these days. There is another thread about it.</p>
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<p>Untrue. Someone could have opened something in their name. There were articles about this becoming a problem ten years ago when people would grab the identities of infants because nobody would check their credit records for a long time.</p>
<p>As far as getting credit goes, son has a lot of cash of his own and I don’t think that he’d have a problem getting a checking account or a credit card. I could always just give him whatever amount the banks need for a balance.</p>
<p>^^^Why would he want to park his cash in your account?
Didn’t you have to cosign for his apt?</p>
<p>I don’t want him to park it there - he never got his own account and he needed an account for his job for direct deposit. Yes, I cosigned.</p>
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<p>I guess you have never watched the Suze Orman show. lol</p>
<p>We coworker d first apartment. Theese days it just takes more to get established,</p>