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I'd start with a credit card or a major store credit line (sears, best buy, etc etc.) That will bump it slightly. Just be sure to cut up the card after it's first use ;) I wan't told that when I was young, got myself into a world of hurt. :eek:

Then do check your current bank. Since you are a customer, they may offer you something worth your consideration. If they don't, ask for a co-signer. A good rich uncle always works... Yeah, I didn't have one of those either. Credit Unions tend to be the best loan places (I got 3.99% for 72 months from my credit union with an A credit rating, A+ is their best rating which I don't have)
 
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