Your credit score is actually a little above average (avg is 675). However, creditors like to see how you treat tradelines that you have. If you do not have any, it does not show them how you repay your debt (responsibility). Equifax is not the best one to check as most lenders use TransUnion, plus they are the most reliable. I have had customers check Equifax and have credit scores of 720 and when I pull it from TransUnion, it has only been 640 or so...try getting a small loan from your local bank and pay it off early (making at least double payments). This will also help you build a relationship with your bank and they may be more willing to take a risk on you. Just be careful with how much you pull your credit and don't worry too much!
***Rebuke for Mary B - My wife and I share this account. I am a Police Science/Criminal Justice Major. SHE is a Loan Officer for Citi. Not just is she experienced, she is the top producer in her Region, with the plaques and rewards to show for her excellent work and judgement, not to mention commendations for customer satisfaction. DON'T get it twisted!***
Loan officer (Citi)
Major in Finance; Minor in Business (Upper Iowa University)
Immediate experience with family & friends