http://www.crownjewelers.com/

Second, open a secured credit card. New Millenium Bank is an excellent choice. They won’t check your credit and report to all three (3) credit bureaus. You can even pay your bill online.

http://www.nmbonline.com/

Revolving trade-lines are highly weighted in credit scoring, so keep your balance –to- credit limit ratio low. Never miss a payment. Before you know it you will be on your way to better credit.
References :

1) If your family trusts you and they are timely with paying their own bills they can add your SSN on to their account as a "co-applicant" not an authorized user. This means that you don’t get a card, and you dont get to go and charge money on the account, but when they make their monthly payments on time it will also mirror over to your credit file… Since they are simply paying their bills the way they always do and you aren’t borrowing any money or using the card you get to coat tail and get a little credit history built up… This works well for parents that want to get their children’s credit history built up before they are 18. My little sister is a co-applicant on my credit card – by the time she turns 18 she will have a 10yr old credit file… and will qualify for all sorts of loans and beter terms for things…

2) Passbook savings accounts & bank loan – this is an old trick that used to work well, however you may have a little trouble considering how rare passbook savings accounts are now. Here is what you do… go to your bank that you have a checking account with (if you don’t have a bank you check with- get one) if you are on good terms with them talk with a rep there and tell them that you want to get a loan for $500 – and simultaneously open a PASSBOOK savings account (where they issue you a passbook – like a passport that must be presented to deposit or withdraw from the account). Explain that they can place the loan funds into the passbook savings account AND hold the passbook as collateral. You simply want to make payments and have them report those payments to your credit file.
a. now you have a $500 loan which is reporting to your credit file, you also have a savings account where you place those $500 in funds. The bank is holding the passbook, so you arent going to be able to take the funds out and spend them.
b. make a $100 payment toward your loan 1 month.
c. make a $100 payment the following month
d. repeat
e. repeat
f. repeat

You have paid off your loan in 5 months, you also now have the passbook with the $500 in it and it ended up costing you $25 in interest… but on your credit file it will look like you paid a loan off early… and will be the positive mark that you need to be able to go out and get a credit card.

3) secured credit cards – you put $200 up to secure the use of the VISA or MC service label… so you are essentially making credit card purchases with money you already paid to the CC company- be careful of the fees and such that can be charged -there are a lot of sub-prime (low/no credit) lenders that are very predatory.

Best thing that you can do is find a good bank or credit union that you can be a part of, credit unions work well to help their clients and are valuable tools for people trying to establish themselves credit-wise. The better your account standings are (dont bounce checks, or overdraft, nsf, etc) the more services they will be willing to offer you as far as loans, credit cards, etc.

hope that helps.
References :
more info on credit and debt can be found here:
http://www.myfico.com
http://www.solveyourcreditproblems.com

I suggest you check out Dave Ramsy’s books and materials you can get his books at any library (free)
References :
http://www.daveramsey.com/

Write a letter to the credit bureau providing solid proof that the debt is not his. The credit bureau will investigate and remove the credit if it’s in error.

If they won’t remove it, or the company that put the ding on his credit won’t admit fault, then you can seek a credit attorney. Credit attorney’s main job is to legally get mistakes removed from credit reports.

Unlike companies that say they can "boost your score by 100 points in 30 days" – credit attorney’s are legitimate legal companies who will help to resolve these issues for you.

For more information on credit attorney’s you can visit my site here:
http://www.1-800badcredit.com/bad-credit-repair.html

Good luck to you and I know you’ll win in the end!
References :
Owner of http://www.1-800badcredit.com. A website designed to give help, advice and solutions to people with bad credit or no credit.