I want to be able to finance a car when I go to buy one (probably not for another year), but I have absolutely no credit. I have a washington mutual debit/credit card with a mastercard symbol on it that I've had for over a year, but whenever i go to apply for financing things (like when I had to fix my computer, a 700 payment, and when I bought my mattress, a 1000 purchase), it ALWAYS denies me. I rent apartments, i don't own my car (my parents own it and i've used it since I was 16) and I don't have anything that would help my credit score.
How the hell am I supposed to build credit, when I can't even get approved for a credit card?? I read about secured credit cards, but that's exactly what my wamu card is!!!
Are there any credit card companies that have good rates for students trying to build credit???
also: I did not pay taxes last year because I was living in hell and it was too confusing and overwhelming and I was a student, and technically, half of what I made went to someone else....so it's not like I kept all 35K of what I made
and also.....I intend on paying taxes this year, but i'm not going to start counting what I make as income until I get completely back on my feet again, because right now I'm starting from square one. I am keeping track of tax write offs for work and holding on to receipts. Would it help me or hurt me to not start counting my income until i'm on my feet? It will probably take me around 2 months of straight working until I feel like I'm financially stable again.



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