...start? I do have a job.....and im on my own now...in a few months i want to buy a car but dont know how i would do that without ANY credit.........???
so if not a credit union, what bank would be a good choice....

in my area we have several local banks and then the usual, Bank of America, Wells Fargo, WaMu...etc

You may want to save some money and put that with a tax check and start with a down payment on a buy here pay here car lot for your first car and not get into any dept until you get wiser .

Open a checking and savings account. Save your money. It would be easier to buy a cheaper car with a larger down payment to get financed. When I bought my first car I had a down payment and they need either 400 more dollars than what I had or a co signer. Do you have a credit union where you work? If you join one of them through work it is easier to get a loan from them. With the bigger down pay they figure that you have more at stake and are more likely to repay it. NEVER RUIN YOUR CREDIT. Everyone looks at that these days. Insurance companies, some employers, all landlords and all utility companies. Once you ruin your credit it takes a while to fix it. You can get cheaper rates on insurance and a job sometimes over someone that has bad credit.

[Mark]

First go open a checking and savings, they only require about 50 dollars each to open, then while you are at the bank apply for a credit card as well, usually they will give you one. Go to Chase if that is in your area, my first credit card was from Chase. The credit limit is going to be small (anywhere from 200-500 dollars) But, as long as you use it responsibly (Don't ever spend more than 30% of the total credit line, for example...a 1000 dollar credit line, never go over a 300 dollar balance) always pay on time, and don't apply for a bunch of credit cards at one time. After you have about 1 year of history, I would look for a better credit card offer that will give you a higher limit and a better interest rate (your first credit card is going to have outrageous interest rates) Goodluck!

You need to establish both savings and checking accounts. These two things will be able to show how you handle money and a vehicle will be expensive, so start a good budget. As soon as you're able, find a financial advisor who deals with people who have small accounts. Stay away from the big guys, they'll eat you up in fees, and rarely call you. But the guys who handle small accounts are in it to help people and they tend to love what they do!!! Good luck.

you need a credit card. I found interesting information about your answer & the best credit card options here. http://all-debt-consolidation-loan.blogspot.com/2007/07/chase-credit-cards.html
Good luck!

If you have a job you could apply for a credit card.

Do not max it out!

If possiblem pay off the entire balance every month. A history of on-time payments is the best way to establish a good credit history.

Actually buying a car is a good place to start. Another option is a department store card or a gas card; pay it off every month and you'll begin to establish credit.

Your best bet is to go score a few store credit cards like JC Penneys, Sears, and so on. Charge some stuff, *and pay it off on time*. Do that for a few, then apply for a low credit line Visa from someplace. Use that to charge stuff, *and pay it on time*.

If there's any credit unions in your area, those are often good places to land a Visa or similar with low interest rates.