I work for Toyota and when I apply to get a car there. The sales guy ran my credit after a few minutes told me that I have no credit and that I need either a co-signer or $3,000 down. I couldn't believe my eyes because I knew I have credit before. When I went online to check my FICO score it show up no credit across all three. So I tried with a different service which is TransUnion and it show up FICO score: TU 4, EQ 620 EX 524. I then proceeded at a different dealership near my home I were approve there and show me my FICO score of 524. I had to down $1,800 and payments of $266.01 for 48 months.
I didn't wait I went ahead and apply for a secured credit card from Capital One. I got approved for a $200 CL. Is there anymore secured credit card that you guy's recommend to apply? I want to build my credit so bad.