So here's a question - how can I establish any positive credit in this situation? Here is said situation:I am in debt about 12k to a bank for my student loans. (My father got me into this when I didn't know better.) I don't make a whole lot of dough so if my car needs new brakes, or I need new glasses, etc., the payment sometimes has to wait a week. After a few years of this and several late payments, this bank is rubbing red ink all over my credit rating. I'm doing my best here and I constantly communicate with the bank, letting them know my situation and when the check is in the mail. Occasionally, I apply for a credit card, not cuz I want to use it, but because I want to establish some credit record other than this loan. I am always rejected. Any foolish advise from all y'all out there?
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