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I’m struggling to get credit and I’m so frustrated
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I’m 19, and I’ve only been approved for 1 card so far I’ve had it for a while. My credit is slowly going up, it’s at 640 right now. I have tried literally every single place I can think of to apply for a card to build more credit, my boyfriend and I are wanting to buy a mobile home. Neither one of us can get approved for absolutely anything.. I don’t know what to do, I really don’t want to ask my mom for help on the loan but I have no other options.

We’re denied because of no history, although we make enough money. How are we, or anyone, supposed to have any history if we cannot be given the opportunity at all. 🤦🏻‍♀️

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It's tough at 19 to struggle with credit, but consider getting a secured card, a credit-builder loan, or becoming an authorized user, while also checking your credit report for errors and finding a co-signer to improve your chances of approval.

4o mini

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4 months ago