I went to my bank and they told me last year to open a tax free savings account to help my credit. That was last year and I’ve been putting some money in it but there had been no change to my credit score. Everything we have is in my husbands name. I couldn’t get us cell phones, internet or even electricity. If I was a single person I’d be better off living in a box. When I was 20 I signed up for equal payments on my gas and hydro bill. I wasn’t aware that it all collects and when you move you have a big chunk to pay. They didn’t let me know that I had accumulated such an amount and sent it off to collections. It sat there for 5 years before someone finally called me about it. It ruined my credit so bad. And now that I am at that stage of my life where I need a car and a house, I can’t even get approved for a $ 300 credit card. I did however get a $ 300 secured credit card but afte two years of having it, it still hasn’t had much of an effect on my credit. Getting shot down every time I try for a line of credit isn’t helping either. I only try about once a year for a new line of credit but this is getting stupid. So, how else can I improve my credit? I don’t have bills except for a secure credit card.
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