Back in pre-history...when I was REALLY counter-culture, I had to get my MOTHER or girlfriend to co-sign everything for me. Didn't matter whether it was an apartment or car or whatever....geez, even a banjo once. An accountant told me to do three things....borrow money from a bank (for no reason other than to have a credit history) get a VISA card (same reason) and NEVER put my living in writing as "Musician". He suggested "Teacher of Classical music theory". I did. Sometimes still do! (doesn't matter that my "classical theory" is VERRRY weak)

Ahhhh, respect!

Rick