I am 30 years old, never had a credit card but had bad credit due to old school loans which are all paid off now and removed from report.

I had some old hospital stuff too that I paid and has been removed.

Both of these are long gone.

I think the last I check out of the 3 important scores 2 were in high 600's and 1 was a bit over 700.

Thing is that I app'd for a CC card several times and was declined.

I talked to a friend of mine that is a bank manager and she said it's because the economy dip and that years ago everyone would have given me a card.

Dude, even Walmart declined me. Am I that bad?

Well, I really want to start building credit because I dont want the time for me to want to buy a house and be screwed.

Also I have a 30k car that I have been paying off for the last 6 years. It is done and paid with in 2/2011.

So I'm not going to really have anything that I'm paying for which I heard could be a negative.

Any suggestions are appreciated.

Thanks.