<prompt> Human: Im on a tutoring website called Wyzant. On this website, if a tutor refers a student, that tutor keeps 100 of what the student pays. The student can also pay using a credit card. Im wondering if I can get a friend to tutor me on paper and then give me back the money, would this be a free way of improving my credit if I use that money to pay the credit card off?  <response>: Just use a bill you already have, like netflix. Why needless complicate this? The amount you are spending each month make no difference to the CC company. All that matters is that you pay the bill on time. 