<prompt> Human: Hey personalfinance, I am 25, got my degree at a public university, am financially responsible, and applied for a personal loan at some of the big online lenders to spread my upfront moving costs over time Prosper, Earnest, Lending Club, etc.. Without a prime FICO score I was rejected. Ive been searching for a solution and found this article on Tech Crunch Anyone familiar with Backed? Any other ideas? Assistant: Why dont you stay where you are living for the next year, get a credit card with a small line of credit amount, use it here and there, and then pay it off in full every month?The APR wont matter because youre paying it off in full, and at the end of the year youll have a more decent credit history.Taking out a loan to move to a rental property seems like an insane idea.Human: Even at 3?  <response>: You seem to have already made up your mind about this. I understand wanting to get your own place and be independent at 25, but NYC is the first or second most expensive place to live in America. If you cant afford it, taking out loans to subsidize it is not a wise choice. 