Another thing you can do is to have a parent add you as an authorized user to one of their credit cards that they have had for a long time (just make sure they never missed a payment or were late). Its a loophole that allows you to basically adopt their length of credit history. All you need to do is have them call the cc co. and add you, but you dont need to get a card, know the acct info, or anything like that. Doing this increases points by adding to your length of credit history and increases your credit availability because theoreticcaly you will have access to this card.
True, but this also puts their balance on your credit report and can throw your DTI way out of whack. An example:
My dad charges everything to one credit card and pays it off in full every month, just like me. However, I'm a single person living in a town with a very low cost of living, and make about $21k/year. My dad supports three people and lives in a major city, so his monthly expenses are much higher. It's not your credit card balances over time that are listed on your credit report, but rather your balances at the time that the credit report is updated. Last time I applied for a loan, it was declined because my dad's $9k on that one card was counted against me, throwing my DTI sky-high. I had him call the company and have me removed from the card, and my loan was approved.