To put it simple...I have no credit....I only own a bank/debit card. That means I pay for everything I own via cash, check or debit. I have purchased my iMac, Macbook, iPhone, and other items via debit card. I have never charged anything with a credit card. However, I want to one day buy a new/ certified used car and a home, to do that I would simply need credit. I have continuously been denied credit therefore I have stopped even applying since I have heard that history of being denied will show up on a background check and this too will interfere with getting credit. I was even denied a secure credit car from Bank of America. Does anyone know a remedy? I simply need a credit card to show that I can manage my money wisely. How can I establish credit if I'm never given a chance?