<prompt> Human: Im 23, from Australia if it makes a difference. Ive got about 20,000 in savings. Ive got no debt apart from HELP Uni debt with no interest, just indexed, and have never had credit cards or loans that would give me a credit score, although I recently applied for two credit cards after reading I will teach you to be rich.Id like to keep my options open for buying a house in the next few years. Any car I buy will be a cheap, small one that I could quite easily pay for up-front. Would it be worth getting one on finance for the sole reason of getting a better credit score?Edit: Thanks guys. Seems like the consensus is to buy a car with cash and stick with the credit cards to improve my credit score.  <response>: Your credit score only matters if you need credit. Im not sure it would be worth paying interest to boost it. Use the credit cards once in a while, pay them off every month and save the money youd otherwise be spending on interest. 