are you wanting to irvompe your credit score so you can buy a house?  if so, you don't really have to worry about your credit score. so smart of you not to want to apply for credit lines.  you need to live in a rental for approx. 2 years and ALWAYS pay your rent on-time or early and always pay your other bills on time.  then just find a mortage company that does  manual underwriting .  that means they will look at things other than a credit score.  they would much rather give a mortage to someone that pays their rent and stuff on time, has a steady job and deals in cash instead of having high debt from other sources.  that's just my suggestion that's how i bought a house.  my interest rate is a fixed, low rate and it's nice to not have a pile of credit card bills to have to pay also.
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