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While do you do have disposable income, your credit also reflects payments you DO make. I started building my credit by getting a cell phone bill in my name - I was 16. From there, see if your bank has a student credit card. My first was from Wells Fargo, limit was $500.
Also be warned that if you are applying like mad for credit cards, that shows up on your credit report as excessive inquiries. Too many inquiries in too short a period of time is a Big Red Flag to credit lending agencies ( I used to be a credit analyst for The Big Bank). They can't tell the difference between someone genuinely trying to establish credit and someone perhaps fraudently using someon'e SSN and other info to obtain false lines of credit.
The car loans will come after you've managed to establish some form of debt in your name. If all else fails, use the Target card wisely. The lending companies want to see an established payment history in order to assess your liability as a debtor. If you use the target card once a month to buy your Snacks for the month, let the bill come and pay THE FULL AMOUNT. Don't go crazy and fill up the limit just because it's there.
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Calling from deep in the heart, from where the eyes can't see and the ears can't hear, from where the mountain trails end and only love can go... ~~~ Three Rivers Hare Krishna
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