<prompt> Human: I have 10K left in student loans and 800 in credit card debt I only have one credit card every month. My 20142015 net income is around 98k. Im wondering how can I improve my credit score? Below are my monthly expenses: Rent- 1350, UtilitiesCable- 300, Fooddrinks- 650, going outentertainment - 700, send money home - 1200. Note: I do not drive or own a car I walk to work. After everything Im left with 5K a month. I do not have any 401K or retirement funds. My biggest concern is that I want to buy a house for around 400-450K within next 2 years, but my credit score is poor. How can I improvequalify to buy a house around my price range?  <response>: You sort of indicate the issue right in your post. You have only one credit card, and only student loans. You should go get a couple more credit cards with that sort of income level, and pay them off each month. Fooddrink: 650. Going outentertainment:700. Wow. Imagine if some of that went to retirement savings.Think of the credit card signup bonuses you could get with that much spending. 