It sounds like you need to get a credit card. Just pay most of the balance off every month (I think keeping a small balance is better than paying the entire balance off every month, but I’m not 100% sure of this). Using a debit card doesn’t really do anything for your credit score, as it is pretty much the same as paying in cash. There is no creditor-debtor relationship involved in the transaction; it’s just paying with money that you already have. If you have a cell phone bill, rent, utilities, etc., that’s another way to establish credit.