<prompt> Human: credit history:no outstandingunsettled negative marks1 pre-paid credit card 700 used and payed off each monthrepossession 2 years ago paid in full 4k after repossession2k in medical bills from 2 years ago paid off in fullcurrent scores: 590-620Monthly expenses:rent 1,000misc living expenses 400bills 500income:after taxes 4,000 in saleryassets:8k in motorcycles1k in SHTF bank accountMy bills dont appear to show up positively on my credit. I dont have any loans. I would like to start using credit, and building my score to buy a house in the next year or two, but I have been turned down for loans which I can obviously afford. 3k loan for another motorcycle, non-prepaid CC spaced out over a few months. These are mostly intended to be easy boosts for my credit, and in the case of the MC would result in selling off one of my other MCs.How do I unfuc my credit if no one will give me credit?Thanks!  <response>: 3k loan for another motorcycleTaking out loans for luxury itemsentertainment is generally bad financial sense. Furthermore, its a bad way to build credit. You would effectively be paying interest in an effort to build credit.Stick with the secure credit card and pay your bills. Credit building takes time. 