Try a secured credit card with your local credit union or bank. Credit Unions have the lowest rates. You also need a mixture of credit (ie: installment credit and revolving credit). May I suggest getting a secured loan with your credit union first and after 6 months, try the credit card. Get the loan for at least one to two years payback. If you can, do a $1,000 limit on a credit card. Though $!000 is a low limit, I wouldn't begin with under $1000. You have to stay below 30% of your limit to maintain your credit rating. The lower limits can hurt your credit. Also, when you pay off a loan, it affects your score. It can drop 40 points, on Equifax, which I think is utterly ridiculous.