I mean no credit card, no loans, no check book

I have had previously no credit history and have started with a small bank loan one week ago. The bank said that they report montly to all 3 credit bureaus. Where will my credit score start at (the question was asked frequently here, but no solid response to date)? As of when will I be able to make a credit check? As of 1 AUG or later?

I had bought a computer from a company about 6 years ago, the computer turned out to be defective-totally non operative after less than a year, I had to buy another one and did not finish paying off the other one, and disputed the bill. It is now in collection for about $350. I am going to talk to a bank tomororow about a teller or call center postion, can something that I am disputing keep from getting a job? I have no bankruptcies, repos, or anything like that. I paid off my car loan early a few years ago.I have utilities in my name, etc, and own my home. Are they worried I will steal $350 when I have assets, cars real estate, etc.

I will be starting class online at University of Phoenix. My FAFSA and everything is not enough for my expenses. I need a private loan that I can payback once graduated. I need maybe 4-5 thousand at the most. NO ONE can co-sign for me so that is NOT an option. My credit score is in the low 500 so its not good at all. I would prefer a student loan but also if you could give me websites on loans period that would be good also. NO PAYDAY LOANS! and remember….NO CREDIT CHECKS……Specifically for Students or people in general with LOW credit score, NO credit or BAD credit.
And I dont need ignorant remarks, PLEASE ONLY RESPOND WITH HELPFUL INFO! I would like guaranteed APPROVAL… Thank You in advance

No payday loan sharks either.

I *think* I’m ok, but…

Credit Score – high 600s-low 700s

I have less than 20k in student loans and I have no late payments, liens or anything (checked two days ago). My credit-debt ratio is like 65-35 or something.

Asked this before but didn’t get much help. Does anyone know of a good website or company to go through for owner financed homes to buy? We are looking for a house but don’t really want the hassle of getting financed. Would love to just take over some one elses loan. Checked out a website called Rent To Own 1 and it’s a company that buys homes and then sells them with 2-3% down payment and no credit check. Long as you have the downpayment and a good income there’s no bank qaulifying. Anyone know of another company like this? Any help is appreciated