You will need the help of someone who already has an established credit history in order to get financed in most cases. Your own history cannot be built without actually making use of a credit facility of anyone. So get someone with a good credit score and a decent income to co-sign your application which will make your case stronger.
Nothing can build a credit score faster than car financing. Once you finance a car, your credit beacon score can hit 700 within six months, should you make all the payments on time. It is best to pay at least a little more than the required minimum payment.
The way to go about it is to buy a new cheaper car provided you are offered the services of a First Chance Lender. Once that happens, they may slap you with a 10% or higher APR. That may sound a lot but it is okay. Make payments on the car as much as you can for six to eight months.
Afterwards, you can sell the car and get a new one as per your liking for great rates. Your credit score will be beaming.
This will require a co-signer with good credit histroy for sure. It should help you in getting your score high pretty quickly as well. It is a long term commitment so make sure that you have a decent amount of money not only to pay the monthly mortgage but also the closing costs and the down payment for the house or condo.
You can get one on a higher APR without credit, provided that you have a good income. This will help you in building the credit. It is ideal that you pay it off as soon as possible to avoid the finance charges.