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Fiore Malatesta (Mortgage Agent)

It is true, No Credit Worse Than Bad Credit
Your solution is half right
What Lenders are looking at is how you service the debt, so you go out and get any credit card spend $100 to $200 but don't pay it all off, just pay the requried amount or a little more each month for 4 to 6 months then pay it all off and do it again, this shows how you pay and your ability to pay.
For that little interest you pay it will be well worth it to build your credit.

Fiore Malatesta
Mortgage Agent

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