<prompt> Human: I am 19 years old and in an apprentice program to get my lobster license. Im making really good money and have a bunch saved but I dont have any credit. How can I raise my credit to get a loan for a boat in the next few years? Assistant: Something that isnt being said is how to build credit. You usually want 3 forms of credit. For most people, that could be a car payment, credit card, and a mortgage. Research into how credit bureaus rate your credit. That will help you out immensely.I currently have 760 rating. Pretty good, but I could be higher. I only have 2 forms of credit which is what is hurting me the most. Id like someone else to chime in, but mid-700s is doable for you quickly and can get you a good rate on a loan.Are you taking out loans for your apprenticeship program? Or is it the old school way where you pay through labor? Human: Its about getting hours. I need a total of 1000 hours and 200 days. My stepdad is my captain and he just signs off my hours every day we go. Ill have my license within 2 years at the pace we are going. Hopefully by year 5 Ill have a boat and fishing on my own. Ill be able to get good enough credit for a fairly substantial loan within 5 years I believe  <response>: Banks treat business loans, like buying a fishing boat, different than personal loans. They care more about your business plan and if you know what youre doing than your past personal credit history.If you have a shitty history it can hold you back, but you dont have to go out of your way to build one other than getting a credit card and using it.Im sure there are local banks where you live that make these kinds of loans all the time. Talk to other captains and figure out how they got their boats financed. Then go to that bank and tell them youd like to finance a boat in 5 years but you want to start preparing now. Theyll tell you all about their requirements and what they look for. 