I had 0 credit history in 2016. Didn't have student loans and had avoided credit cards. Absolutely screwed me when I needed an Auto loan for a used car that I w

I had 0 credit history in 2016. Didn't have student loans and had avoided credit cards. Absolutely screwed me when I needed an Auto loan for a used car that I was willing to pay a heaft chunk up front. Couldn't get credit cards either, only one that would offer me one was a $100 secured card from Discover. Took me a year and luck that a loan agent at a credit union took pity on me before I could get that auto loan.