[onewhippedpuppy]

Sorry Jeff, but I think that's a waste of time. I had never borrowed until my wife and I bought our first home, her only credit was from a credit card she's paid off every month since she was 16. We had ZERO problems getting a loan with a great interest rate. Since then we had one car we bought on credit and paid off early, and a paid off mortgage from selling our first house. I think my credit was 750-ish, hers closer to 800. So we basically have borrowed very little across our entire lives and pay off ONE credit card every month, great credit and no issues getting a loan.

Personally, I think the "I want to boost my FICO score" is more an excuse to borrow money for stuff you don't need.