Debt is definately bad. All debt is bad. But if your goal is a good credit score do 1 of the following. Have a trusted family member with open good credit add you as an authized user on 1 of their credit cards with good standing and low balance high limit. Or 2. Get a credit card and never use more than 9% of the limit always have between 1 and 9% used and always pay more than the minimum. Dont pay off to $0. Example $1000 limit card. Use between $10 & $90. If bill is $17 a month send $20 or $25. When paid off buy again. This will ensure max score every time.
