banks/lenders want to be able to see proof that you can manage your money and pay your debts off in time. If you don#039;t have a credit card it helps to get one and pay it off monthly. You should try to establish 3 lines of credit and keep them paid. This could be a loan under your name, credit cards, store cards, financing things etc. here is some additional and simply stated information on credit. http://www.creditratings101.com/types-of-credit/
Credit is very hard to get in todays' economy, especially anything unsecured or higher risk. Perhaps a rent-to-own arrangement would be a good place to start proving your ability to handle debt. Utility payments are not included in your rating, only credit purchases. Good luck.
I started with a small credit card and used it only for gas and paid it off regularly. also a cell phone bill can help as well. They need to see some sort of credit to approve you for major loans or leases because it shows how responsible you are with your money