<prompt> Human: Background info: Active duty, 20 YO, credit score 732.Navy federal is offering 0 APR due to the government shutdown and news that active duty will not be getting paid. My credit report states that a lack of installment loan information is holding my score back. Would this be a good chance to boost my credit score?Edit: Id like to thank everyone for helping me out ! Ive decided that I wont be taking out the loan, since NFCU wont be reporting the loan to the credit bureaus Thank you, chtrssck Nor will I be putting the loan in a savings account, since itd be too much of a hassle for a small return 1 return on 500.  <response>: From 12. Will Navy Federal report this loan to the credit reporting agencies?No. Navy Federal will not report information about this loan to the credit reporting agencies. 