OK, I paid my rent on time for the last 4 years with 2 late payments in the first year.

I paid my power & light bill on time for the last 2 1/2 years, after the first year with out a late payment the sent me back my deposet for $150.

1 year with yahoo internet with no late payments. Then went to comcast internet for 1/2 a year now no late payments. Comcast cable for 2 years no late payment.

I have a dibit card that i use to buy several music items costing $200 -$600 two to four times a year on a easy payment plan = 3 payments for 3 months for the last 3 years no late payments.

My credit was so bad before all this i couldnt get a credet card. Now i'v gotten at lest 12 - 15 offers in the last 3 months .

My sister wants to know which one's are doing it so she can do the same ? thanks...
www. she want's one so she can borrow from when shes running low on cash not to get over head just till next payday.
BMWBFD . Some with fees some with no fees. None with over 19.5 % rates.

You must be doing something else because none of the things you mentioned report to the credit bureaus.

Why would someone want the curse of credit cards????? I never have met a wealthy person that told me - I got rich off of spending money I didn't have and paying the bank to give me money for things I couldn't afford.

Credit bureaus sell profiles - you may not even qualify for the offers. Do your sister a favor - tell her to pay for everything in cash - she will be able to be a millionaire by the time she retires with that mentality.