I am in my 20’s, have no debt and have no need for a loan; should I get one anyways to help my credit? I have a high credit score, and I pay off my credit cards monthly; but I have never taken out a loan, not even student loans… I worry this will hurt me when the time comes to apply for a car loan, home loan, etc…
What kind of loan should I apply for? I would be able to pay off any loan I apply for, but don’t know where to begin… I don’t need a car nor am I looking to buy a house; so car/home loans are out… I have only heard of personal loans but don’t know if this is the best option…
Whatever loan I decide to get would be placed in a savings account accruing 4.5%…
Any help is will be GREATLY appreciated…