<prompt> Human: Sorry if this topic has been addressed multiple times on this sub, but recently got a credit score after opening a new credit card and wasnt thrilled to say the least at my score. Asked a couple friends and the general consensus on raising my credit score was to either own a car or home, pay credit card bill on time or even a late payment can drop the score significantly...and nothing really major besides the first two suggestions. Hoping to see if someone can give me the best option in raising my score. Thanks PF!  <response>: Dont take out loans you dont need just to improve your credit score. Pay your credit card bills off in full every month and your score will gradually improve. 