Ah yes they want to see your behavior how you manage your debt. They want to know your debt to income. You can get a cosigner. Even folks with no credit have to go into debt to some reasonable point in order to establish a history of behavior. If you are not educated about this or have had it thoroughly explained to you it can be fairly easy to get yourself into trouble with your credit. Some people are geniuses at it and they use it to there advantage and are usually more successful financial wise than most.