Will credit inquiries hurt your credit score if you have no credit score?

**smilebaby** · August 5th, 2008, 09:16 PM

Hi, I'm new to this credit stuff and I've heard that if lenders/creditors pull up your credit report, it could hurt your score and chances of getting approved. But the thing is, I have NO credit history, hence NO credit score. I can't even pull up my own credit report online from all the 3 major bureaus as they have no records of me. They say at the end of the online session that I can request a report by mail, but they probably aren't going to find anything. (I am sure all the personal information I entered is correct). So doesn't that mean that inquiries will have no effect on me? Thanks ;o

**mousepad** · August 5th, 2008, 09:32 PM

well i dont think they can hurt what you dont have

**smilebaby** · August 5th, 2008, 09:47 PM

I want to try applying for a department store credit card, but I'm afraid that it's going to hurt my credit history, even if they have no records of me (Experian, Equifax, and Transunion). I tried pulling up my own reports and all the information is correct and everything, but they still say they have no record. Also, the reason I keep getting denied for loans and credit cards is because that I have no credit history (as stated in the denial notices).

**Meya** · August 5th, 2008, 11:45 PM

Ewwww, this is the hardest part I have ever ran across, helping someone with no credit at all. Ok, let me tell you this first, getting credit for the first time or with nothing on your report is worse off than having bad credit. NO one wants to go first. Let me tell you where to start first. If you are a student you can get chances at nice tier one banks like Bofa, Chase, Citibank, Discover, Wells Fargo (they are pretty good with no credit students) etc

1. Capital One
2. Credit One
3. Hooter's
4. Mervyns
5. Macy's
6. Walmart
7. Jcpenny's
8. Orchard

I can go on fourther, but I just reread something, you said that you have been turned down for credit, who were the creditors you applied to? Your scores are not because you should not have any. The inquiries will hurt you because creditors will see that you have been applying for too much credit in such a short time.

Cresent Jewels, Kay Jewelers are good starters for no credit. Bofa, secured card is excellent because there are too rewards you will receive. 1 is for reporting to the 3 cb's for you, and the other is a chance at the card being unsecured in a year. I would start with the secured card if I were you, at least you will have a tier one bank on your credit report.

Hope this helps, until then please take a look at the links provided, it will guide you through the network very easily. Welcome aboard, we are always here for you.

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Hope this helps!

**RivasGlo** · August 6th, 2008, 11:42 AM

Yea I agree w. Meya.... Aint she fanstastic?

By listing the cards you have applied for and when will help us with the next step. Which is telling you which card to apply for next and which have higher rates at getting approved. Click on the links provided above ^^

If you have a checking account, try applying for a cc with that bank...

I think that the inquiries will hurt your score once you start building and get a score. Right now it can hurt you when other creditors pull your CR and see that you have gone on an applying spree.

**shark6** · August 6th, 2008, 01:03 PM

This is what I would suggest to counter this problem?

1. If you can get someone to add you as an authorized user to their cards, this will help you tremendously. Can u get your mom, dad, family member, spouse or friend to add you on to one of their established trade lines with no baddies? This will instantly give you some credit history.

2. Also, if you are a student, go to your local credit union or teachers/student credit union. They ususally have credit cards for students starting at $500 if you show your registration.

3. Try for one of the student cards that Meya listed above. You may want to see if you have generated a Fico Equifax or experian score.

Other than this, i would not apply for c redit anymore if you have more than 3-4 inquiries already. They will start to hurt you.