<prompt> Human: Ive had three credit cards since my dad co-signed on them, all with good monthly payments etc. now I have two of those three still as active cards. But still I should technically have about 5 years of co-signed credit card history. How does that not help my case? I heard store cards were the way to go but I cant even get a card at Macys, Amazon tried them 3 different times, or banana republic. I think I also tried Ann Taylor. As for other credit-building things, I live in a relatives apartment and pay them rent and utilities in cash. My sister has me on her cell phone bill and I Venmo her every month. So building credit from my monthly bills is not an option :  <response>: Check your credit reports if you have not. There might be some glaring thing you didnt know about 