Denied credit card for lack of credit. How do I get credit?

I moved here last year March 2007 and been using a credit card as a secondary holder. I tried to apply for a credit card last month, January and was denied for the reason that I haven't been established my credit. I have been trying to call Experian, TransUnion and Equifax, but they are all automated and can't talk to anyone. You might know any number that I can call or you might suggest me on how to build my credit... Like how to apply for a credit card to build my credit... What steps should I do? I thought having a credit card as a secondary holder will establish my credit, only to find out that I just wasted 1 year
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new law on authorized user blanked that. it was called piggbacking. you dont really do anything and get good credit. that was not fair
go here and get a credit card for bad or no credit. most if not all of these credit cards report to bureaus
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Thank you so much for the response! You are truly amazing! I actually went to this website this afternoon. I got it from one of your articles. Only New Millineum Bank offers "no credit credit check required" with 19.50% APR! If this is the only way to build my credit, then I guess I have to take it
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Oh by the way, I forgot to mention that one has to deposit a minimum of $300 with New Millennium and the credit limit will be equal to the balance in the collateral savings account. I hope there is other way to build a credit aside from this set-up
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after one year ask to be cut loose from that arraignment
or
and
go ahead and get another card that does not require that.

stop by a bp oil gas station or exxon and pick up one of thier credit card app forms
apply and hope
if they turn you down call them apply again but send in 300 with your app
charge your gas only for one year and pay more than you charge each month
at the end of one year treat yourself to a gas party ot trip


keep these account open for at least one year to get a rated trade line
here is another get new good credit form i forgot about

you really need 3 rated lines of credit but you dont want to burden yourself or mess it up

How I might improve my credit score? I realize now that paying 'cash' for things the last 5 years was probably not the best thing to do for improving my credit report. I do not presently have a credit card. Is there a way to get one and use it to quickly improve my credit score or do you have a better way for me to improve and continue to improve my score. Thanks for helping all of us out here.
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You gotta have 1 year on the books so ya better get started now.
I get or keep at least 3 reported and open current paid on time credit cards or loans that have been reported at least 12 months.
Best and only way.
Start with a card
http://www.oskie.com/free-letter/open-new-good-credit-sample-form-letter.htm
use this letter if you get turned down
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Hello Bo, My email is in response to this statement I've seen about Capital One on your blog."They report your credit limit as being whatever you charge so you are always maxed out with them."I have two questions. First, on our credit report it shows a largest past balance and then a current balance for Capital One. This is on both of our Capital One cards. If the way they report it leaves it appearing to be "always maxed out," how does this largest past balance affect our score? Second, if the account is zeroed out but left open how does that report/affect our score? I am hesitant to close our Capital One accounts because they are the oldest in good standing accounts we have open. I look forward to hearing from you soon.
Thanks for the help!
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"majors@oskie.com" / to Captial One Card holder with a thin credit file /
I guess in your situation i would keep it open too. But never have a balance
I guess you have some other credit too.
If you do have 3 other good credit lines then the capital one should be closed.
If not then keep it open but do not use the dern thing.