So you are trying to borrow $10,000.? The best way to establish credit is to open a secured credit card-which means that you take for example, $500 to the bank of your choice. You tell them you want to open a secured credit card for that amount. They take your $500 so they can make sure you are covered for charges up to $500.
Then you charge monthly things on it like your gasoline for vehicle. Then pay it off every month on time. After 6 months to a year your credit will have increased. While you are at the bank talk with a loan officer for mortgages and ask them all the qualifications currently for buying a home with a loan. And you can go thru the checklist. And in a short time you can obtain your own loan to purchase.
Good luck!!!... more