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I haven't had a mortgage debt in 20 years, nor a credit card for the past dozen. I have a HELOC that I've had (0 balance for 99.9% of the time) that I have used to purchase rentals, etc., but the balance was paid off quickly. I just pay everything on time....always have. Out of curiosity I checked my score several years ago...825. I shun the CC industry (personal reasons), and use a debit (with NO concerns) exclusively....everyone's ituation is different. So.....mebbe a HELOC would work for ya....seems to be the only REAL credit thingy I have had for two decades now...works for me.
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