[philadelphia killing mach]

seriously , if you want a quick way to build up credit do this:

1. get a sears card (yeah the interest in out the ass)
2. buy something big with it (any major appliance ie washer dryer, but not small electronics ie. dvd player) basically anything totalling over 300.00 and having continued value over a five year period
3. pay it off complete


takes time but builds credit. if you're young (18-25) you're allready screwed, sorry. having a credit card means nothing today to financial loaners, everyone has one and americans are known to abuse them saddly.