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yesisaid wants to know:

I’m a student about to graduate from NYU – I’ve applied for credit cards with or without my parents as co-signers and still no luck. I have a job and am trying to get an apartment but no one will take me unless I have good credit. What credit cards (preferably no fee) will accept me? My parents are available as co-signers with fair credit.

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Rachel wants to know:

I have been in a debt management program with a local credit counseling service for about 8 months. My parents have offered to co-sign a loan so I can pay off the cards. The loan with the bank is a lower interest rate than the cards and will pay them off faster with a lower payment each month. Should I pay the cards directly or go through the credit counseling service? Which is better for my credit score?

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neverforgotten wants to know:

My parents are willing to get me a credit card at 16. They trust me and i am responsible. I will also be paying the bills with my checking bank account. Can i get the mtvu credit card at age 16? My parents also think it will help me raise my credit history for the future.
thanks ren- i think if my parents sign it off i can get one

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MamaDrama wants to know:

I am a newly wed and my husband and I recently moved in with his parents in order to save money for our own home, however, money is not the only problem. Both of us have challenged credit. We know that those companys that claim that they are able to eliminate your bad credit are scams and that is not the way we are tring to go. Any sound advice that anyone has to offer would be greatly appreciated.
Thank you.