[Lyndsey Brooke]

loan within a year? My fiance and are are 21 years old. He's got a good job making about $34K a year (that's at 40 hours a week, and he's currently working a mandatory 60 per week) and he gets dollar raises once every six months. I'm a full time college student currently working part time.We'd love to buy a home, but neither of us have ANY credit history. None. So, here's what I was thinking:-He can get a secured credit card through our bank and actively use it and pay it off monthly for a consistent 12-month period.-I can get financed for a piece of furniture for a 12-month plan.He already has utilities in his name and we are both in good standing with our rental history as well as our checking and savings accounts. We'd really like to look into buying a home (around $100-150K home) next August around the time we get married. I know credit takes awhile to build up, but I'm not sure how much history I'll need. Any advice on this would be appreciated!IMPORTANT: Please don't suggest we get a co-signer. We don't know anyone with good enough credit to co-sign.We know a lot of people that own homes that make salaries that are much less than what he is making. We live in South Carolina, so $16.50 an hour is considered pretty damn good, considering the price of living down here. I don't know anyone that makes $50K a year. So what gives?