Like Silver posted you can goto orchardbank.com & apply for a CC that way. They specialize in giving people chances to rebuild, or establish credit.

Now I've had like 4 CC when I was 19-ish, yeah I was trippin, lost my job & had to repay the accelerated fee's tho I didn't spend that much. Now when I went to rebuild my credit, no bankruptcy, just alot of huslting, & payment arraingments to clear them all off.lol

Now the orchardbank people will give you a card with a $300 limit - thier $72 annual fee. Now they charge $39 for their processing fee, but if you just wanna start shyt off thats decent way to do it, They report immediately, & the monthly bill is $15.

Now if you wanna get a car loan, & can't goto the dealer, try Roadloans.com I bought my last car from Keebs( a member on IA) with rebuilding credit mode in full effect.

Now they'll give you at least $10,000 & do offer gap insurance, so you're protected from having to owe them cause their interest rate is high, buuuut after 10 conesuctive payments you can refinance to get lower note, then work it out from there that way.

These are just options, & not a Vegeta's guide to credit. lol You can try one or both ways, but I'll tell you this, it's not easy building credit, but it's easy fing it up, & harder to fix it, than it was to f it up.....Vegeta