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The problem you face is common for people who do not use credit. Credit scores are based use - they want to see how well you manage your credit - if you don't use it - they think you can't manage it. Banks first and foremost do credit scoring (profiling) - meaning that if you meet a certain credit score level - your application is automatically declined. However, usually if you explain that you do not have bad creidt - just no credit - they will usually go back in and verify this from your credit reports.
Couple of things you could do:
1) Credit Unions - might be easier to work with - especailly as they usually do all of their underwriting in house.
2) There are other non-bank financing companies that understand your situation.
3) Keep at your local bank - go in and talk to the branch President - see if you can convience him/her why your credit is like it is.
4) I think this would be you best bet - not only for now but if you ever need capital in the future - develop your credit scores. There are easy ways to do this - but it may take time - a few months at least to get creditor reporting into you files. Credit Buearus like to see three trade lines at a minimum. Two of these can be revolving (like credit cards) and one should be a term loan. This is how I built credit when I was a kid - could work for you now - I went down and opened a department store account (JCPennys, Sears, etc). I did just one. Once I got the cared, I charged $10 on it - paid it off as soon as I got the bill - then never used the card again - One trade line. Second, I opened a very small secured (used $100) credit card. Used it once - paid it off. It was secured by my $100 - but provided me a second trade line. In today's worlkd you do not have to do this - you could get a cell phone which reports to your credit. Third, I used $500 cash to secured a bank term loan. As the loan was secured by cash - it was easy to get. I let it sit for one month - paid it off (as I never used the cash). Then took my $500 out of that bank. As I did not have any prepayment penalties - it only cost me one months interest.
After I let all of these sit out there for two months (to ensure that each reported to the credit buearus - then I went and used my new credit score and opened a true credit card - closing the first one and getting my $100 back. Next thing you knwo I had great credit.
Just some thoughts
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