Try going to this website: www.CreditKarma.com it is a legit site run by Trans Union, one of the big 3 reporting agencies. See what they have for credit info on you. There is advice on the website and credit offers which might help you gain more credit. I have also worked with local lenders that can help build your credit by getting a couple of trades. Chris at Wells Fargo and Mike at Mann Mortgage are good resources.