get a shitty visa card, buy gas with it pd and only gas pay it off in full every month, you will not have to pay interest if you pay in full and after 9 months or so you will have a pretty good credit score, but what they also look at when applying for loans at actual banks not payday loans is how much you make and how much you owe, so someone making 20 grand a year can not walk into a bank and get a 300,000 dollar loan because you would not be able to make the payments,