Since you have no credit. You will want to establish credit. This is best done by a local credit union in your area that offers 'secured' credit cards. You will prepaire $500.00 on a secured credit card. Use that card for gas and groceries. Continue to prepare and use the card. After about 60 days, you will then want to ask for a credit limit increase. At that time you should be able to obtain a credit rating. For more information, you can look at my blogs here on this website about establishing credit. Here is my website for another secured credit card, however local is also good.