<prompt> Human: I am looking to buy a used car, and while I can buy it in full with cash, someone suggested I consider financing it to build up my credit score particularly for buying a house in the future. Up until now, my credit portfolio has been based only on my credit cards which I pay off every month in addition to some minimal student loans that I paid off shortly after graduating. Should I diversify my credit portfolio and finance the car or buy it in cash?  <response>: Dont spend extra money to build your credit.You have credit cards. Youre using them responsibly. Thats great. Keep doing that. 