Need help building credit!!!

[mindmaniac]

I'm a junior in college and still have no credit built up. I've never bought anything on loan and don't bounce checks but I can't get any credit cards, not even student credit cards. I'll apply at the beginning of the year but always get the same letter back saying I have insufficient credit. They have no problem giving these to students who don't work and have tons of debt.

I make alright money for a college student too and have very low expenses. Last year I made $20,000 and saved $12,000 of it.

Any suggestions, and buying a car is not one of them? I'm driving my Bonneville till it's dead.

 

[Kishan]

Umm, how many inquiries do you have on your credit since it sounds like you've applied at quite a few places. Go to myfico.com, purchase your credit feport for $34.95. Then look over it, and we can help you from there. Don't want to tell you apply for this or that and get another rejection on your record.