SoCal Credit Repairs offers free credit consultation. They understand that if someone gets their credit score analyzed today, one thing is clear, they will get the solution to fix bad credit if there is. However, they also challenge negative items and can help to see real-time progress.
In both cases, you may need to find a cosigner that can help you out or look for other solutions to build your credit.
You have not borrowed money in the past.
If you have utilities in your name or you have been renting an apartment you can use these things to show that you are reliable and make your payments on time.
Make your payments on time each month, and try to pay the loan off early.
If you do take out a loan make sure you handle it responsibly because poor decisions can make it even harder to get a loan than having no credit at all.
They will be responsible and their credit score can be hurt if you make a mistake.