I have not been able to check my credit report Is this mean im doing good?

So i havent checked my credit report or nothing since i turned 18 in May of 2007..(DUH) and I got approved for a Chase Freedom awhile back and today got approved for a Capital One card does that indicate good history starting to establish?

I have not been able to check my credit report Is this mean im doing good?
that does mean good news, but your credit is still considered baby credit. You dont have alot established. treat this new credit like gold!! Dont open too many accounts because that can make you look like you have too many obligations, and then when you really need that credit for something you really want, you could be turned down. this is advise i wish i took more seriously in my younger years.
Reply:Yes but everyone has access to a free credit report once a year from all 3 reporting agencies , just go to annualcreditreport.com, It is also recommended that since you can only get one from each once a year that you spread them out at about 4 months between each. Also note that your score is not free and that there will be an additional charge for that info , but under $ 10.00 for each. If you have a credit card with WAMU they give you unlimited access to your FICO score through the web.
Reply:I will also recommend that you go to myannualcreditreport.com as it is a website available for anyone that wishes to check their credit history %26amp; at least you'll know if it agrees w/the activities %26amp; creditors you've accepted credit from. One piece of advice, don't accept all the offers you get on the mail as it'll show you're anxious to get credit cards %26amp; don't saturate them w/balances as it'll lower your credit score %26amp; it takes years sometime to bring it up high enough to qualify for a decent loan. Take it slowly but surely!
Reply:Pull your credit report and check it.





As to the credit cards, don't run up a balance. Only charge what you can afford to pay in full each month. Save on the interest and stay out of debt.





And don't loan your credit cards to anyone.
Reply:not necessarily, they give credit to anyone (like me lol) but depending on much they give may reflect how good ur credit is
Reply:Obtaining the card itself usually is a good sign however; you should never allow your credit report to go too long without attention. This would be especially true for those with common names or actively treat with doctors.





I would order an abstract in about 6 months or so to view the progress of your credit report. It took over 4 months for Capital One to place an account on my report.
Reply:No,it doesn't mean your doing well.If you should receive a rejection notice on a credit application,you can send a copy of that letter to the credit bureau , and they must give you a copy of your credit report.If you want to check it out right away,you can go to your bank and they will pull up all three credit bureaus for you.
Reply:If you just turned 18 why do you need all these credit cards? You are setting yourself up for a huge fall here.





Be smart!!





www.daveramsey.com
Reply:Not at all.





Credit card companies saw that you turned 18 and they started bombarding you with credit card forms.