Yea, I’ve been there man. I was bad with finances too. Here’s the thing - you are getting different responses because this finance sub is filled with people that love credit card points and credit scores. The thing is, it’s just a number. Does it make some things easier? Yep! But it is absolutely possible to 1: get an apartment 2: get a house 3: get a car and whatever else without a credit score.

My advice is to stop worrying about boosting your score and start budgeting your money and making that part of your life better. You are admitting that you aren’t good with finances so trying to get more lines of credit or financing more is going to be a bad idea.

Look up Dave Ramsey and The Money Guys and you’ll be good to go.