I got my first credit card 3 years ago this month. Ever since I've been paying on time with no late charges and have never been over the limit. Been close to being over the limit though.
I don't understand how I can get loan for a brand new 2007 car last year (ie December 06) and they didn't even call my job. They just checked my credit. No hassles or problems. Been paying on time every month since.
When I applied for a loan months ago they denied me the amount (under 10K) and sent me a letter saying I have insufficient credit history.
How long does it take to build good credit history? Its going on 3 years now.



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