<prompt> Human: So I have the money to just buy a set up myself, but would it be smarter to go to a rent-a-center type place and slowly pay it off, to build up my credit?  <response>: Pay cab or use a Credit card to buy and pay off it build credit. Never use a tent to own. In the end You will play 3x to 5x the actual cost. Those places are rip offs 