<prompt> Human: What do I do? This is all quite new to me...You have to be in debt to create good credit? What is this magic? I detest credit cards and have a tendency using debitcash only. Bonus: I run a small business that uses multiple thousands dollar of materials each month. Could I leverage that into a speedier credit gain?Thanks a bunch for all your help! AMERICA!!!  <response>: You dont have to get in debt to get a credit score.Get a standard credit card and use it like a debit card. Purchase your items, than pay it in full before you are charged the interest rate at the end of the billing cycle. 