<prompt> Human: I want to buy a house in 2-3 years but am new to credit so I have concerns about being approved for a mortgage. I have never had a credit card until this year so where as I dont have bad credit, I just dont have any at all. My goal is to buy a house in a few years in the 150,000 - 200,000 range with a down payment of 20. However, Im concerned that two years of credit history will hinder me getting approved for a loan. Are there ways for me to build my credit in addition to paying off my new credit card on time? I have been using 23 of my credit limit every month as Ive heard that it is the best to approach it. I appreciate the help!  <response>: You are supposed to use 30 or less of your credit limit each month.. 