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Originally Posted by egmatt93
but on a more serious note. get ur dad to put a credit card in ur name, when it arrives activate it and then cut it up. give it a few months then apply for your own and wrok from there
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To add to this, you can also have your Dad put you as an authorized user on one of his Cards (pick the one with the best history and the biggest limit), they will send him the card, and have him just either cut it up or hold onto it. It's called piggy backing, it shows up on your credit as you having a CC in good standing and a high limit = good for you. The only issue is, I have read that credit companies were trying to get that nixed. Where you could still be an authorized user, but it would NOT affect your credit. But it is something to look into.
Troll has the right idea with starting off with a store card, just don't get stupid with it. Never get close to maxing it out. If the limit is $100, the max you want to put in it is $60-70. Then pay it off in chunks, don't just pay it off in one shot. Do that for a few months, then look back at Capitol One or a card from First Premier Bank. Another route you can look into is getting a Secured Loan (I believe that is the name of it). In short you would borrow against money that is already in your account. But people are right, it is not going to be a few month ordeal. It takes a long time to build\rebuild credit. It took me a good 3 years to pull my ass out of the hole, but it finally paid off.