<prompt> Human: So as the title states, Im 26. With no credit, and no bank accounts. Im at a point in my life where I really need to start building credit, but its been very hard to figure out where to get started.I should mention that the reason every bank has turned me down for an account is because I just did 3 12 years in Federal for low-end identity theft stuff, involving a lot of banks checking accounts. I got out at the beginning of this year and have completely turned my life around, and keep doing everything I can to move forward and forget about my past I had drug issues. But it just really sucks because I feel lost in this situation.So, Im asking yall of Reddit for any advice you might have on ways to build up my credit score and possibly even a bank that would give me a chance. Anything is greatly appreciated. Thank you for the help.  <response>: Im pretty sure that pre-paid debit cards are banking alternatives and give anyone an account. I have American Express Serve and its great. You can use it for direct deposit, withdrawing money, bill pay, mailing checks, and more. You can read an overview of it here Now its not going to help with your credit, but its important to have a way to receive direct deposit if you have a job, pay bills, and buy things. There are a bunch of other options listed hereRead this page on building credit, it could be a start. 