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CREDIT QUESTIONS has received a tremendous amount of emails with questions about qualifications and approvals for the various loans and credit types we offer. We have outlined answers to some of the more frequently asked questions we receive. If you have any questions, please contact us.

How do I open up a credit card account?
We suggest that you choose a credit card that is right for your needs. Then examine the various available credit card offers to see if you meet approval requirements. Students should review the student credit cards. Several of the student cards featured are designed for people with applying for a credit card for the first time. We suggest checking out the Discover Tropical Student and the Discover Student Classic. These two cards are the best no credit student card offers.

If you are not a student, and are looking to apply for a credit card with no credit, you may want to consider applying for either the Orchard Bank 2% Cash Back MasterCard, Tribute Visa or the Imagine Unsecured Gold Card. All of these cards offer flexible approval terms for people with no credit and bad credit.

Is it possible to buy a vehicle with no credit?
Star Loan Services offers affordable auto loans for people with no credit. We have a lending network that allows us to offer the lowest auto loan rates possible. Our auto financing programs will help you build your credit.

How do I eliminate debt?
We offer a variety of solutions for people looking for debt relief. We feature low rate unsecured loans, a free debt consolidation program and a variety of mortgage products designed for eliminating debt, i.e. debt consolidation equity loans and refinancing. We also offer an abundance of information related to debt and managing money.

What happens if I can no longer pay my loan?
If you become a victim of a financial emergency, contact us immediately. We will work with you by either offering you a temporary hold for your loan, meaning you can skip a payment, or we will restructure your loan so that payments are more affordable. Depending on your situation, you may be able to cancel your loan.

I am new to the country, how do I establish my credit?
The first thing you will need to do is obtain a Social Security number, otherwise known as a nine-digit taxpayer identification number. A SSN can be requested from the Social Security Administration as long as you are a lawful immigrant. Once you have your SSN, there a number of things you can do to establish credit. The most popular step to take would be to apply for a credit card. After using your credit card and making timely payments for at least six months, you will have developed a positive credit score. After about a year, you will be eligible to apply for a car loan or a first time buyer home purchase loan.


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