September 1st, 2010 
I’m 21 years old. I’ve never had a credit card (I always refused to put myself into such a predicament). I’ve been paying a T-Mobile cell phone bill steadily for three years, and I’ve only taken out student loans, all 3 of which are not defaulted.
I’m looking to become a renter in an apartment complex I’ve fallen in love with. The monthly rent is more than within my reach but they do a credit background check and the score needs to be 700 or higher.
I’ve never heard of “credit scores” and several people I’ve asked (including parents) have no idea.
I registered for a free credit report and it said I have no initial credit besides my student loans (didn’t even list the cell bill). It never gave me a credit score number, it just said that the server was busy (every single time – definitely a fishy scam if you ask me).
With my small credit, what will my credit score be about? Will I have a shot at this apartment? Should I take out a co-signer with good credit?
There might have been a typo: I CAN afford the monthly rent. I could afford MORE than that. I’m just concerned that my credit will pay too much of a factor.
Pamela
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