Credit Scores

Sailorsaint said

Yeh, that's why I said I needed to take out a bank loan, never use it, and just make payments on it for a few years.

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Don't see how that will help. You take a loan and you are increasing debt. You'd prob do better to open a new card every year or so up to 5-8 of them. Just get no annual membership on them, use them sparingly, and pay off immediately. Credit increases while debt does not.

Something like Credit Karma can show you the impacts etc if you are setup with them already. Sorted me out from mid 700's with no CC's to close to max in 4-5 years. I pay nothing in interest on most purchases and actually save money from cash back.