actually it will still help your credit if you got lets an AMEX or some credit card and just put it away in a drawer for about three months and then pulled it out and started using it.

the thing is that you don't want to have to open many accounts at once because that will hurt you. but if you do open one with AMEX leave the card alone for 3 months than start using it. Do your best to pay it off every month because that is HUGE! if for any reason you end up stacking up a balance on a card it should never be more than 50% of its maximum credit line. for instance if you have a $1000 do not leave more than a $500 balance on that card.