Do you have any available credit that shows on your report, having no blemishes doesn't make your credit good. A bank or loan company wants to see some kind of past history that shows you have had loans, credit cards, or charge accounts and have paid them dilligently. Also beware of online loan sites, they can get you into trouble if you arent'careful. I prefer to be able to read my loan contract on paper in my hand before i agree to anything.
