First and foremost, you do not need to borrow money to improve your credit.
Pay your bills on time for a year and pay off any outstanding debt. If you can do that, your credit will be good enough to qualify you for whatever you need.
***Disclaimer: If you are trying to purchase a resort hotel or put a land contract on a major shopping center in Manhattan, you may need to do a little more. If this is the case, CP may not be the best counsel.
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