<prompt> Human: I recently moved to the USA and found it incredibly difficult to find accommodation because I have no credit, as such I needed to make 5-6x per month more than the rent due and I am a lowlife scumbag and dont make much. My only recourse was to scour craigslist for some poor sod that needed me more than I needed them. I found a guy living less than 2 minutes walk from my work that wanted a roommate and it was well within my budget. I pay him 500 cash every month for rent including utilities and everything.How can I turn this situation where I am literally just losing 500 a month into something that positively impacts my financialcredit situation? Any advice of that nature would be appreciated please.  <response>: Youre not literally just losing 500 a month. Youre paying for a place to stay.If you want to start building your credit, get a secured credit card and use it responsibly every month. 