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Question: After making payments on my FIRST EVER secured credit card for 6-12 months what number will my Credit Score be?

I have a secured credit card and I've been making payments (on time) for 6 months.

Answer: Here's a good site to learn about FICO scores: http://www.myfico.com/CreditEducation/WhatsInYourScore.aspx.

After only 6 months, you barely have any score. If you use the card and pay the balance in full every month, you should be able to qualify for a regular credit card or convert the secured card to a regular account.

One credit card account for a year is still a very limited credit history. Whether you can qualify for a $6K loan depends on many other factors including your work history, income, and debt to income ratio.

Late credit card payments declining

Question: Does anyone know the easiest way to defianlty get a car loan with at least a 620 Credit Score?

im looking for the easiest place to try and get approved for a 2500 dollar car loan. i have a Credit Score of 620 and im 19. i have no past credit problems and four cards with a total limit of 2500 dollars in credit limit with balances. so i just need some places to try with almost a guarenteed approval. websites and approvals would be appreciated.

Answer: Auto finance is what I do for a living and your best bet will be your own local bank or credit union because any vehicle that you can buy for $2,500.00 will be older and have more miles on it then most major lenders will consider.

Credit Card Instant Approval

Question: How can I find a list of good credit cards including their Credit Score requirements?

I want to find a good credit card with a 0% introductory rate, a low interest rate after the introductory period, and great customer support. I don't want to apply to too many banks because that in itself can affect credit scores; I'd like to know beforehand what their Credit Score requirements are - but that seems to be hard information to find. Thank you for any suggestions!

Answer: The sites below are excellent resources in terms of researching different credit cards and their approval criteria:

http://www.cardratings.com/

http://creditboards.com/forums/

Credit Cards, Credit Score & Credit : How to Compare Credit Cards