I feel you! My credit was null then not so good even though I've paid things on time and so on...Still don't have the perfect credit I want but I'm even closer now.
The only way I got the credit needed was to buy a house.
But I agree with Cha Cha...get yourself a low limit credit card and don't use it for a whole lot but keep the balance low enough so you can pay the little 10 dollar a month due. |