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[–] 1 pt

When I was denied a car loan I told the sales guy "I have to start somewhere, so why not today?" - he laughed and told me to build my credit at Rent-A-Center. Fuck that prick.

[–] 0 pt

Yes. Fuck that guy.

Ways that are less retarded

Get a credit card from your bank. Worst case is you gotta give them 500 bucks, and you get a 500 dollar limit. This is called a secured credit card. Pay it off and you level up to un secured credit card.

Line of credit from bank. I have one, but I don't use it. Its less points to NOT have one.