Hi! I'm new on this board, and just like you all, I am looking to shape up my credit, and learn more about my rights. I am fairly young, mid-twenties, but I have already experienced a life time of damage to my credit. From ER bills to my ex abandoning me with rent that I couldn't afford and dinging my credit to the tune of $10,000+ (which, by the way, my name had been removed from the lease before he left me but the property mgmt STILL reported me). Anyway, I am about to get married to a wonderful man and I want to clean up my credit as soon as possible so that we may buy a house together soon. Other than the delinquent ER bills and the $10,000 bill that isn't even mine, I have never had any other form of credit. Not a car loan, a credit card, a gas card, nothing! If it weren't for this bad credit, I'd have none. How can I get creditors to trust me, and allow me to start building some real credit? I have recently (with my fiancee as a co-signer) convinced a national furniture chain to extend me a small line of credit and have been prompt with every payment for a year now...so that's good, right? Other than that, what else can I try? Sears said no, JC Penny's said no, how can I start adding good credit? Ideas? Suggestions? Thanks a TON in advance! PS: again, I am new on here so if there is a huge thread that answers all of these questions for me, Im sorry that I haven't found it yet, but I will search around!