<prompt> Human: Hi there! Im a graduate student in the US, thought I am originally from Asia. My family is quite wealthy, and while I am making enough to live on my own through my stipend for them to not have to send me money, we are okay with them helping me to build a better credit score. Is there anything that could be done to improve my credit score? Eg, having a large bank balance, etc.Thank you very much and sorry if I have offended anybody!  <response>: Credit scores take time to build. Having plenty of money doesnt prove to a creditor that you WILL pay back a loan, only that you CAN pay back a loan. The number of accounts you have, the average age of those accounts, the amount of available credit you use and your performance repaying those accounts - among other things - factor into your score. Opening twenty accounts loans, credit cards, etc this year will hurt you much more than having five accounts in good standing for five years. Theres just no substitute for time! 