<prompt> Human: Would it be a hassle to get a loan? A loan with a low APR interest rate to build credit back... credit score around high 500slow 600s.  <response>: Step 1: Buy house in cash Step 2: get a shitty high-interest credit card Step 3: Set up autopayments online Step 4: use card once or twice a week Step 5: Wait 6 years. Whats that? You want to buy a car too? Step 6: Buy car in cash. 