<prompt> Human: Just to preface, my dad has excellent credit low 800s and can very easily get a loan on his own. Im 20 and have 4 credit cards all with no balance and two student loans in my name. My oldest account is two years old and my credit score is around 720.My dad is purchasing a new car soon and offered to put the loan in my name to help out my credit. If I did decide to let him do so, I fully trust him to pay it off on time. No need for relationship advice here.My question to you is, will doing this really help my credit at all to make it worth it?  <response>: Tell Dad, No thanks. Your credit score will do fine without this as long as you keep paying off those credit cards on time.Neither you, nor your Dad, need the complications, hassles, and risks of this strategy. 