<prompt> Human: I am 24 years old. I have 4 credit cards 3 of which i have had from the age of 18. I have no outstanding ballance and have always paid off the debt in full by the end of the month. I have around 4100 in combined available credit. My average credit score is around 710.I have been told that I do not have enough credit history for most major purchases that I have considered.I have been told by co-workers and friends that I should take out a small loan around 3000 or less at the lowest possible apr that I can find. Then use that money to pay back the loan. Sure I would be paying more money as I would have to pay interest, but would that be worth it in order to boost my overall credit score and credit history? EDITThanks everyone for your input. I am going to hold off on any potential loan until I absolutely need it such as a home purchase or car.  <response>: No. 