<prompt> Human: Would anyone recommend geting two loans from two different financial institutes, for as low an initial amount as possible, and as short of a term as possible? Then set them up so they pay each other?I wouldnt use the funds for anything else. I would pay more in interest in the end, but the low initial amounts and short terms should mitigate that. Would that boost my credit score? If it were say a year long term, could I just repeat this process annually?Im thinking it would be a no brainer way to get open and closed accounts with perfect payment histories. Assistant: Paying interest to raise your credit score is a bad deal.Youll be better off just getting a credit card and paying off the balance each month.Human: What about getting several credit cards, only buying things with credit card A, using card B to pay A, then C to pay B, then just paying off card D?  <response>: using card B to pay A, then CCard providers dont let you pay off your balance with other credit cards. You can do a balance transfer, but thats generally a one-time shot that incurs a 337; surcharge.Just pay your credit card month-to-month. Dont overcomplicate this. 