What you need to do in this situation is, establish credit history. Here are a few ways how you can build your credit rating: -

~ Take out a small loan using the savings account as collateral, and then pay it back. This will help you for establishing your credit history.

~ Apply for a secured credit card. Using a secured credit card is an easy way to build your credit rating. Pay your credit card balances on time. After a few months of having the secured credit card, apply for an unsecured card. Having and using a credit card wisely can be beneficial to your credit rating.

Financial experts recommend keeping your account balances less than 50% of your available credit. It shows that you have the ability to pay back your debt.

Source: http://www.bills.com/credit-score/