[Halon]

When I purchased my house last year, I had a 790 credit score. I didn't use any special process to build my credit. Just 1 car loan that I paid off in 4 years. And a couple credit cards that I just made on time payments too. No special tricks or processes. Just some credit cards and 1 loan, and made sure to make my payments on time. When I was looking for house loans, every bank I spoke with said my score was excellent for a 23 year old, and I'd have no problems getting a loan. My score is still in the mid 700's, the only debt I have is my house, and $500 left on my 13mo no interest loan from Circuit City from when I bought my TV setup. I'm sure people will say that always having a little debt is good, but I personally hate debt, and pay cash for just about everything. I'll buy something every couple months on my credit card just to keep it current, and then pay it off a couple days later. That's obviouslly worked for me.