<prompt> Human: As the title says, I would like to buy a house but my credit is awful mainly because of lack of credit history so I need help with getting my score up to at least the 580 range as soon as possible. As far as existing debt that shows on my report I have the following:- 8k in delinquent student loans. They have been garnishing the majority of my tax returns the last two years. It was around 30k, it should be wiped out after this tax season.- A 400 medical bill. I figure I can just negotiate and pay this off whenever. My dilemma is that I dont know how to start trying to build a revolving credit history. I tried to apply for the Capitol One secured card today and was denied even for that. I dont care about fees, deposits, etc. All I am looking for is some place that I can secure a revolving credit line from that is less than say buying a car but I have no idea where to look.Assistant: If you make really good money then why havent you been able to pay off your debt that is in default?You can start by paying off the 8400 now.Human: Its not accruing anymore interest and its in default anyway. I see no benefit to paying it off right now, itll get paid off with money that I wasnt banking on in 4 months anyway. I make good money but not whats 8400 to a mufucka like me money. I make 100k but I have a spouse and 2 kids so I make more like whats 84 to a mufucka like me money.Assistant: I see no benefit to paying it off right nowThe benefit will be to your credit report score which you seem to be concerned about. If you really want your credit to improve then pay it off ASAP. No eating outdrinking, no vacations, no shopping, no hobbies, and no gifts. You only exist to pay it off. You can do it in 3 months.Human: I can pay it off now if push comes to shove. Will that immediately jump my score? When I got denied, the reason was lack of history and revolving credit accounts. Assistant: Itll take a month for the system to update your credit report. They may have not listed this as a reason for you being denied but it was definitely a major contributor.Buying a house soon may not be in your best financial interest. You should pay off your debt, build up a good credit history, and save the 20 downpayment. It may take you a couple of years to do this but will be better for you in the end.Human: The 20 down is not a problem and I dont really care about my credit short term beyond buying a house. I kind of hate the blanket one size fits all advice that this subreddit tries to offer most times to be honest. Im financially stable, I have a 3 month emergency fund in liquid savings as well as sizable investments and 401k. I didnt always make a lot and Ive never relied on revolving credit. I just have a feeling that the rent vs own divide is only going to get worse so I want to buy.  <response>: The blanket one size fits all isnt about what we want you to do. Its what our experience with banks lending out money want youus to do.Paying off the measly 8400 wont make your credit magically jump and approve you for a 300k loan. It will take a month to adjust and then you can try getting a secured credit card again.Now, as to ideas... I bank with Wells Fargo and they typically have a fairly easyalmost-guaranteed secured credit card theyll approve newbie teens with a 300 deposit, which can be upgraded to a regular credit card within 3 months I think 