<prompt> Human: Im 19 yo and I currently make 24.24 an hour as a carpenter in LA. At some point I would like to purchase a house but I dont really have any credit history. I own a car right now, but it was paid for in cash through a private owner. Would it be a smart decision to take a loan out for a car and trade-insell current car so that I can start building credit for the future?  <response>: No. You dont need to pay a cent of interest to have excellent credit. Just get a credit card and pay it in full every month. 