<prompt> Human: Hey gang,Im 28, got a new remote job, after my very low expenses Ill be able to save about 6k per month. I would really like to invest this into real estate, but my credit score sucks. Ive only had a car payment and Ive never had any other credit in my name. What are the bestfastest ways to build credit? I would really like to buy a rental property because I want to own income producing assets so I dont have to work so hard my whole life. I have no debt, basically have never had debt and have worked primarily on cash due to my parents insistent urging throughout my development to never have a credit card.What suggestions do you have? Ive considered having a credit card that I back myself eg put in 5k on a secured credit card and never use it.edit: Has anyone used a credit builder loan? Am I on the right track?Whats the fastest and most effective way to build credit if I have lots of cash and no credit? Thanks.  <response>: The best way to build credit is to get a credit card, put some small bill on it, pay it off on time and in full every month after you get the statement, before the due date.6 months later get another credit card and do the same.Then wait a while and get a third.Apparently, 3 credit cards all having low utilization, paid on time and in full every month is the fastest way to build credit score.Dont try to get all three at once though.Good luck. 