Credit Advice

The easiest thing is to get a secured credit card. You will need a $200 security deposit but you will get it back when you close the account. Doing this will build your credit. In about 1 year you can move to normal unsecured cards. 

You have to ask youself if you want to go into debt and start paying payments (and interest of course)

If you have okay credit, I wouldn't recommend getting a secured card.  First, you need money up front to be put in a special savings account to be used as collateral.  The usual deposit is around $100 to $500 minimum.  How much money you put in determines your credit limit.  Often you'll get stuck with huge fees with those types of cards. If you do get a credit card, go to creditcards.com.  They have a place you can just stick in your information and it will bring up several credit cards you are likely to be accepted.  You can compare the terms, APR's and such.  See if one of the cards will raise your credit limit after a period of time.  Capital One does this.  That really has helped out my credit score.  I try to keep a low balance in it, they raise the limit and boom... My credit utilization dropped big time, which also raised my score by 20 points. If you don't want a credit card, go to your bank and see if they can do a small personal loan, that will improve your score.  Some banks will do a stock loan, they might put $1,000 in a CD for you.  Then you pay monthly installments on the loan.  After a year when the loan is paid off, the money is yours. Unfortunately goals like buying a car or buying a house require credit.  Personal loans and credit cards can be good tools to get good credit, if used wisely. Just don't go crazy applying for every credit card offer.  Whenever you apply for credit, it creates an inquiry which negatively affects your credit score and sticks around for two years on your report.