> ignore the "Accepted" answer which contains awful advice Yep. I love how the accepted answer with 130 votes totally ignores how credit scores work. I suppose

> ignore the "Accepted" answer which contains awful advice Yep. I love how the accepted answer with 130 votes totally ignores how credit scores work. I suppose it would be excellent advice if the OP never intends to get a home/car/cards and is too mentally impaired to handle a $1 loan.