Here's a bump for you hun because I'm in the same boat. I've been applying for cards and stuff since I turned 18 three years ago. And you shouldn't apply for too many things in a short time period, because that does hurt your credit. I think I applied once every 6 months or so, and I've even tried getting store credit cards and the like. I haven't had any luck at all, yet my husband was able to get a credit car when he was 19, and he had no credit. I think it's really random, to be honest. When I find a new job, I'm going to try getting a small loan from the bank (I've had this suggested by a few people). One thing I heard from someone who had talked to a car dealer (a friend of their's) was to save about $1,000 as quickly as possible, or $1,500, then take out a loan for about $1,000. Pay off that with the money you saved, and continue doing that on and off for a year or so. Supposedly, that can build your credit, too.
at 9:51 PM on Oct. 20, 2010