<prompt> Human: I recently applied to finance a 500 guitar at a music store without a cosigner and was denied. Im a college student and dont have a credit card. I am wondering if my student loans have something to do with my denial? How do I check my credit? How do I create credit? I can flat out afford that guitar but want to develop good credit. Thanks!  <response>: Wheres the automoderator when you need him? Check out the FAQ: 