Do I need credit repair if I have no credit at all?
Probably not. Credit repair is useless if you have none. If you are trying to establish good credit, having a good job for a substantial period of time and having a bank account with money in it are probably the best things to have when trying to establish credit with a creditor. Also, if you are finding it difficult getting a credit card, getting a friend or relative to co-sign for the card may help.



