Everyone knows the classic credit score dilemma: You can't apply for a decent credit card from a bank without a good credit score, and you can't establish a good credit score without a credit card, so how do you get over it? Here's How: Apply for a credit card (you'll probably get one with a two to three thousand limit on it) and open an account with enough money to pay for your purchases. Make a few purchases with your new card and pay them off before the limit! If you're parents are willing to help out you can have them transfer a few bills to your name (assuming they pay off their bills immediately), and that should help your score. Want to know more about how credit scores work? In order of importance: Payment History > Debt Usage > Credit Age > Account Mix (the number of accounts you have open, the more the better) and Inquiries (how many credit card applications you make, the less the better). Inquiries and Account Mix usually hold the same importance.