<prompt> Human: Alright, so I cant find a straight answer on this, and maybe there isnt one. Im 24, been riding motorcycles for several years, have owned 2 used ones and am going to buy a new one. I am looking at an FZ 09, hopefully OTD at 7500. I bring in 95,000 a year, am debt free, have one credit card with a 3,000 limit that I charge about 200 on a month and pay off in full. My current credit score is a 723 as Mint reports via equifax. I do not have any other auto loans on my credit history, no dings or late payments. I can afford to pay cash for the bike, but would also like to build a better credit history, because mine is lacking. Ive heard whispers on the Internet that a motorcycle loan could actually hurt my credit, but the source of this is hardly reliable in my eyes. Should I finance a couple grand or will this only hurt me? Should I finance more? Less? None? Anyone have any experienceanecdotes?Much thanks.  <response>: You should never take out loans just to improve your credit score. Great credit scores can and should be built for free. 