BTW, I got around credit issues by having a phone bill and apartment rent while I was in college, which helped when I got out. Wasn't one to use a credit card then, wrote more checks, but did have a co-signer available for my first car. (Don't remember if it was needed.)
Depending on your job, if you have an employment related credit union available, they will probably give ok rates if you open an account since they know your employer.
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