Okay so me and my boyfriend are trying to rent an apartment and we went through the credit check and it says pending so we have to wait for a call to say approved or denied.
I’m afraid it will be denied because of my extremely low score and I’m only 20! And in college. I screwed up so early.
So the only things on my credit report is:
750 $ Sprint Fee from cancelling my Sprint service because me and my mom could not afford the entire bill. I was working hardly any hours at my last job and we had to break the contract. This was two years ago.
And a 250$ Capitol one secured card that I couldn’t pay after I lost my job. (I’m paying that off this Friday)
I also have 6 Hard Inquiries from two years ago that will be gone by December.
I have student loan of 2,300 on there but it’s subsidized so I don’t even have to pay it until I’m out of school (which is forever) so why would they count that against me if I don’t even HAVE to pay it yet?
That’s all I have… And I have no family AT ALL to help me by putting me on the credit card, co signing, or anything. My bank is Mission Federal Credit union.
What do I do rebuild? I’m super worried. I was close to a 700 when I got my first secured credit card, and then I lost my job. /: help?