>She meant you should get approved for a business/personal line of credit now while credit is still being approved. Rates on those are low enough that they can

>She meant you should get approved for a business/personal line of credit now while credit is still being approved. Rates on those are low enough that they can be useful in a cash crunch. Sure, but it's quite hard to get a decent line of credit without extensive history. Whereas literally anyone with a 600+ score can go get tens of thousands of dollars in available credit right now which massively boosts your score. I definitely don't recommend relying on them as an emergency fund, but the added accounts and increased available credit will get you prime rates on any other lending if you're not at 750+ yet.