The best thing to do is start small and work your way up, I can tell you by experience. Be smart and allow time to be your friend. I made some bad credit decisions (due to being the only one working) but I'm at a better place now. Credit Unions are great places to start. Wish you well in your pursuit. Alot of the guys above give good advice, learn from the experiences/ advice you get. In the end it is up to you to get the ball rolling and keep it in play.