You need to build credit. However, if you pay a cell phone bill or ultility bills - you have some credit. The easiest way for you to build credit is to apply for a credit card. However, catch 22, sometimes you can't get one until you have good credit.
You can try to apply for a mastercard or visa at your bank and see what happens. If they turn you down, you can try to apply at a store and see what happens. If you get one of these, however, the important thing is not to carry over a 50% balance each month and not to charge more than 30% of your credit limit at any time. And, of course, never be late on a payment.
If you can't get one of those, there are a couple things you can try. Some banks offer what is called prepaid credit cards to help build credit. 5/3 bank does it and some others. You give them $500 and they let you charge up to $350 at a time. When you get your statement each month, pay off the entire amount. That will help credit.
Another thing you can do is get a secured loan from Harris Bank. It is like a savings account, but you put money in each month and they report it, but you can't take the money out until the specified time.
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