It seems like a catch 22 when you have no credit history or thin file CR. What is one to do? I here you all talk about the perfect mix of credit products (cc, department store, loans, etc.) but then on the flip side you mention that the quality of these products plays a big difference in the eyes of the credit approvers and even to your selves? Help, I am confused and the one thing I have learned from this board is don't waste hard inquiries. I have to start building up my credit beacuse I want to open my own business and need to build up my own personal credit worthiness to back it if need be.