Credit?

So.. im stuck in this position.. and it sucks. Growing up I was never prompted about credit. I didn't know anything about credit cards.. or building a credit. When I was 21 years old I had come down with Thyrodic Periodic Paralysis. I was in the hospital for almost a month.. I was sick for about a year very sick. All the bills that piled up was overwhelming the hospital bill was clear up around a hundred thousand dollars. I remember about two weeks in the lady from the hospital came to me and said that the hospital would pay for all the hospital stay bills .. I was relieved because I was worried how could I possibly pay for it. Long story short I had a bunch of bills that I had paid off but I just didn't have enough to pay it all. Here I am about 4 years later.

I work full time at a local bank and I've been there about two years. I have a car that's about 11 years old or so and its starting to give me crap. And despite me making a decent salary per year I am turned down time and time again. The amount of debt that I do have is small but because I dont have any credit cards or anything like that they turn me away. It blows my mind.. How when im working and I have no debt can they turn me away?!

I dont understand why the system is soo flaw'd. If I was to have a bunch of cards max'd out and all paid on time i'd be great.. I could get a brand new benz if I wanted to. But me.. the guy that works at the bank and makes a modest salary I cant get shit!

In this society it's almost like if you do the wrong thing.. you get rewarded. I pay tax's I work full time and I have my own private insurance policy.

If you dont work you dont have to pay taxes you dont have to work full time.. you get a place to stay and now because of our great representatives you get insurance too.

Tell me.. what is the possible benefit of working full time and doing thing's honestly? What is the point if everything you work for... everything you strive to achieve is just handed to other people with no ties.

So here I am a 25 year old man that works full time and pays my taxes.. and I cant even get my self a simple car. I am going to have to bargain and negotiate to get a decent deal.. at which I would still be paying a huge interest rate.

By the way did I tell you I got approved for a FHA housing loan to buy a house.. yea...

I can buy a house.. just not a car.