Credit when in DMP

If you have a job you can get an auto loan. You may not get the best rate but you can get an auto loan!

thanks for the quick answer! that's a ways off for me anyway. My other thing was getting a secured card soley for building credit in a few months, basicly i'd just pay my cable bill on it and then pay that. I want to be able to build credit at some point...

Get the card before you sign up, and do not include it in the dmp.

Is it not possible to get one during the program? How else do you build up credit?

You are encouraged not to open an additional credit situations when in the proram. However, secured credit (homes, cars) are not included in that category and they understand that these things are a necessity in life. You shouldn't have a problem if you need a car.

No offense but you shouldn't be having any type of credit cards beyond a car or a home if you are going to sign with a dmp and even then I would advise against it.

The idea is not to build more debt for yourself so that you can get out of it. You still have to make payments even on a secured credit card, you are still charged interest and late fee's. It doesn't work like a gift card.

Rebuilt your credit when your finances aren't so strapped that you need a DMP.