Sigh, I have done so much work on my finances and I checked my credit score. It is really low. My factors of paying bills on time (great), getting my student loan managed (showing no negatives) and having about 20K in accounts still doesn't add up to a great score. The only advice was to have some credit. I literally have no debt other than the student loan and few bills. My last apartment building started something where you could pay a monthly fee to have your rent reported to the credit agencies. I may have done that if they started it when I was planning on being there a year or so but it was right before I was moving.
So I am going to check out the credit cards with my credit union and my online checking bank that has all my laddered CD's. It would be convenient such as when I rent a car, to have an actual credit card.