Ok so I really want to get my credit going because I plan to open a little business down the line. However I am having some issues getting a credit card. I tried to get family members to co-sign for me but they have bad credit so they are no use. I work during the day and take online classes at night. Obviously since I don't have any credit I can't get one on my own. How is one supposed to get credit if you can't get a credit card? I heard that paying rent counts as credit. Is that true? For reference I am 20 years. I don't mean to sound like a dunce or make beat a dead horse but this has been puzzling me for a while.