Having credit is hard to avoid. It is there all the time. The reason why I say so, is because people tend to avoid credit as much as possible. I myself doesn't like having credit at all but it is there everyday and part of our lives. There are advantage and disadvantages of having a credit. Advantage because you do not need to spend any dime but the disadvantage is you will pay for it on a certain time frame.
It is not bad having a credit especially if credit repair services are available nowadays. They are created to fix credit and repair credit line of people around the world. So if you were declined for a certain loan before for a bad credit line, have them fixed your credit and get started again. Rest assured you will be granted.