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Actually you don't want to carry a balance at all from month to month. Even if you pay it off every month, the CC will actually show a balance on your credit report. They usually report to the credit agencies once a month, and whatever the balance is at that time, is the balance that will show on your report. So it's possible to have it paid off every month, and still build credit by showing that it's being used.

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Yeah, that's the point. You want to show an ability to manage credit and debt. If you pay off the card every month then you are not showing an ability to managed credit/debt. Don't get me wrong, paying off a CC will build good credit over time, but not nearly as looked as at someone who might carry a $25 - $50 balance on a credit card with a $300 credit limit during several months. It shows use, while not overusing the line of credit. Have the balance so it reports, then pay it off. Then have a small balance for 2 more months, then pay it off. It's best to do this with 2-3 cards (loans or other lines of credit included) max (house and car loans not included).

I've destroyed my credit over time and currently working at building it up again and not only have done my research on the subject as of late, but dealt with some profesional help from credit managing and the three reporting companies.

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Tauni, One of my coworkers claims his family is renting a room out of their house for $200 a month I believe. That's about as cheap as it gets, but it's also only a room. I can call the guy and get you his number and whatnot if you'd like.

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In Oakdale there is an apartment complex that goes off of income solely. There is a 5 month waiting list though.

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Ya finding places, finding jobs, it all sucks.

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If you can find someone that owns a house, and is willing to rent out a bedroom, I would do that. That's what I'm doing right now and it's alot cheaper than an apartment.

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I too am looking for a job...one semi-close to home..here in MG..sucks, cause there is no one who needs personnel. I have tools, and everything..

-A. Swift

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If you don't have great credit/low income, you can try finding someone in the suburbs that rents out a basement or upper level in their house. Usually they are cheaper and don't involve credit checks. You'll find them in good neighborhoods for reasonable rates. If the person that rents it to you lives there, you don't have to worry so much about a friend up and leaving you hanging with a lease.

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I work at a bank too. What do you do there?

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Alex: I have no clue where Wayzata is. Maybe it would be easier if you just let me know how it works.

Shrep: Um, I think? Everywhere I've ever worked its been face to face with people all day long. I love people. Why?

As far as credit cards, that worries me because I'm not that good with money. Also, don't you need to maintain some big number in your checking account to even hold the account? So far TCF is the only place where you don't have to, and TCF is bullshit.

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USBank and Wells Fargo have no minimum checking accounts.

You need revolving accounts to build your credit rating. I used my Snap-On account and it boosted me thru the roof. It's the only way I got my loan for the house with no money down and no closing costs.

Check out someone renting out part of their house. You will get a much better deal. Especially if it's only being used for a short period of time. And whatever you do, don't abuse the opportunity by having parties and shit. I'm not implying that you do, but alot of others do that and it's really shitty for the landlord to have to put up with it.

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This might be a dumb question, but what exactly is a revolving account?

I don't think I would want to rent out of someone's house. I think it would make me a bit uneasy not knowing the people up stairs, you know? But I am finding pretty good deals on apartments!

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I have to move out too. I'm thinking ghetto wouldn't be so bad.

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A revolving account is one where you don't spend all of your credit limit, like most credit cards. The trick is to keep your balance under 50% of your limit. You might have to start with a store credit card like Macy's. The interest rate sucks, but they'll give them to anyone with a pulse. Just use it wisely(rarely) and you'll build some credit over time.

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Reid: You are a guy. You aren't a skrawny little girl. To me ghetto is like a death wish.

Steve: So how long do they usually give you to pay it off? How does it work? I don't get it I guess...

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I live on 34th and morgan, in north mpls. I guess you can call that ghetto but to me the projects is the ghetto, although that is where i am from, there is a huge difference between where i used to live and where i am. Anyways there are some good neighborhoods around these parts. They are usually weird like half a block is good and the other half is not so good. Some parts around what you guys call "Ghetto" arent that bad. Anways My sister has an 2 bedroom apartment with wood floors and a patio that is up for rent at the moment. It's located on 34th and penn, a main street, which usually has no trouble there, due to heavy traffic. It's above commerical space which my sister rents out to some guy who gives free books out for kids. It's right next to a elementary school. If you want more info i can call my sis but give me a pm

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I need a room mate as well.

Stikx- that might be cool. PM me with details maybe I could come check it out some time!

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Yeah, If things don't work out with this for Tauni, I'm interested.
Or I could go look when Tauni does. Wait...I'm close to an idea.
Tauni=roomie? naw. too crazy.

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Naa you're nuts, too obvious my friend ;) Whatever you do, it must be difficult and gone about in the most round-a-bout way possible. Its the way we do.