I have always heard about evil credit card companies preying on vunerable college students. I find that quite interesting, considering I've found it impossible to get a credit card! Even more infuriating, I've had an extremely difficult time getting information on WHY I can't get a credit card. I currently make a reasonable salary and I have never had any debts so I don't see why I'm less appropriate for an unsecured card than some 18 year old.
Every time I try to get a credit report from the free annual credit report sites, they all tell me for some complicated reason they can't give me one. One of them I ended up pursuing further by faxing them more proofs of identification (social security card + proof of address), and I was still told something about not having enough credit card history to give me a report. I forget if they gave me more options, by that point I was too frustrated to pursue it further (mistake I know). And of course now I've used up my free reports.
I was also declined a credit card by Bank of America where I have my accounts. I was then later told that if I get declined a credit card I have the right to request the reason why, but when I called Bank of America I got some complicated answer around this.
Yes, I realized I should have pursued this more aggressively, and I will in the future. I ended up just settling for a secured credit card with an annual fee just so I can establish some credit.
I have currently been in the work force for about a year, and I am trying to get more financial independence and my bad credit or no credit is a hindrance to that. I would really like to know exactly what creditors think of me though. I remember a few years ago my Dad telling me that some health bill from when I was 17 was being held against me, but he was trying to fix it since that was illegal since I was a minor. I want to make sure that this was cleared up and that there are no other things being held against me, but I'm having a really hard time just getting good information.