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Kwaad said:

*my* check card does not give me credit.

My rent does not give me credit.

My power bill does not give me credit.

My water bill does not give me credit.

My insurance payments... dont give me credit.

My grandfather was a doctor, and I get enough money to pay any debts I aquire every year. That and I'm selling something for 4,000$ here next month, and I could use that to pay it off, but I want to keep making my paymets to get me more credit.


Unless you don't have the bills you listed, all of them do improve your credit (not counting the check card) if you pay them on time (and worsen your credit if you don't).  As long as your name is on the bill.