<prompt> Human: Does my credit score start at 0 and go down from there if I get denied or how does it work? I am 18 and have applied for three credit cards in my life, the first 2 got denied and the third one got approved but I have never used it. I also am looking to make a 3,500 purchase in the somewhat near future with about 1,000 saved up so far. Is getting a loan for the other 2,500 something Id be able to do on my own, or any tips on how I should save up fast? My family doesnt want to cosign anything btw. Thanks!  <response>: What is that huge purchase you are interested in? It is usually a really bad idea to take out a loan on something unless you will be using it for years to come or is necessary for a job. Car, house, school etc are all good but things like a boat, dirt bike, vacations, hobby pursuits should never be done with borrowed money. Those interest rates are insane! 