I don't think it's that important to do anything crazy. If you've just had a credit card since you were 18 and paid it off every month you'll likely have a cred

I don't think it's that important to do anything crazy. If you've just had a credit card since you were 18 and paid it off every month you'll likely have a credit score that's more than good enough. Outside of a house the only reason to carry debt is to hedge your risks on large purchase items you already have the money for (IE you have the money to buy a car, but paying for it up all front may be enough of a risk to utilize credit if it would eat up most of your savings). The biggest factor that seems to have an effect on my credit score is account age, so I would advise against trying to do anything crazy and short term. Having a single credit card for 8 years will go farther than any crazy loan shenanigans will in 3 IMO. Paying all your utility bills and such on time goes without saying.