[rmmcdaniell]

When I was in college I was getting applications by the dozens. Never applied as I had no job or only worked during the summer. However, when I graduated and got a job with a very respectable salary, no one wanted to give me a credit card because I had no credit history.

Same here! I graduated two years ago, even worse is that when I changed states and had to find a new auto insurance policy I had to pay through the nose because I had been responsible and never taken on any debt (thus not generating a credit history).

[Protagoras]

had to find a new auto insurance policy I had to pay through the nose because I had been responsible and never taken on any debt (thus not generating a credit history).

Let me get this straight. You had to pay a higher auto insurance premium because you didn't have a credit history?