Go to your local bank, deposit 500.00 in a special savings/credit program account, they will in return give you 500 back which is considered a loan, you pay back the original 500 (which you've gotten back already) in 2-3 mths on time ofcourse and bam! you've just started your credit history. People with bad credit can use this program to bump up their credit points a notch or two.
it's called "WASH" since no money is ever really moved from one pocket to the next.