The easiest approach is to get high point credit cards and pay them off each month.

That way, you don’t pay anything (and are subsidized).

Of course the money comes from people that don’t do this, and vendors’ margins.

So, it’s “Participate in the credit card racket or no house for you” on one side and “That’s a nice shop you have there. It’d be a shame if something happened to it.” on the other.

The US really should abolish the credit rating industry.