Credit Advice

you can always open a checking or savings account - banks do not base this on your credit score at all. Most times that someone cannot open an account is if they owe money to the bank they are trying to open it with or owe money to another bank (had a negative balance and never paid it back) - those are usually the only 2 reasons u should not be able to open an account

there are credit cards that you can get that report directly to the credit bureau on your paymnents but you have to pay for your credit. if you want a $800 credit limit then you pay $800 up front and it will help with your credit.

What kind of account are you trying to open? There are plenty of banks who will take you with any kind of credit.

The first and easiest step is to consistently pay your bills on time. If your credit score is very low and you can't get a credit card, open a secured card, put very little money on it, and pay it on time every month.

Like what Ryan said, I'd get a secured card to start building your credit. That will reflect well on your report and to the banks.

Maybe you should get a copy of your Chexsystems report - you may have problems with bad bank accounts that are preventing banks from allowing you to open new accounts. Be sure to try local banks and/or credit unions, too.