Comment Re:Simple (sort of) solution: (Score 1) 232
This is a lie perpetuated by the credit card industry. You simply need credit cards with reasnoable limits, and you need to use them for about 6mo. to establish revolving debt.
After that they only hurt your credit score if their balance is nonzero at the exact moment the balance is reported 5-7 days prior to you checking your credit score.