re: No credit = No credit card to build Credit?

I agree. Go to a local bank and get a secured revolving account. Or if your parents are willing to make you an authorized user on one of their cards and they have really good credit that will help you out as well. As an authorized user that doesn't mean you would have a card, but its a great way to build credit. For mortgage purposes you'll need a minimum mid credit score of 620 and the Fair Credit Reporting Act allows everyone to get a free credit report once every 12 months, just go to www.annualcreditreport.com.