Hi, I'm new to the forum and am hoping some more experienced guys can give me some advice on quite a few matters. I guess my most pressing item right now is that I've just graduated from college and have my first job, which is not really what I want to do, but is a stepping stone. The problem is that I lived at home and then at the student dorm and never really built up a credit record. Now I'm finding it really difficult to get credit. It seemed like I should have taken up one of those millions of offers I got for a student credit card, but I was afraid I might go out and buy that computer I really wanted :-/ Now, when I send in applications, because I haven't worked for long, I'm not getting anywhere. Does anyone have ideas for getting credit/loans (I'd like to buy that computer I really wanted now that I have a fairly secure job) for someone in my position? Thanks for any help or advice.