No. You need 2+ credit cards and ~2 bank accounts all that have existed for several years. "Carry a balance" of ~15% of your total credit limit BUT you need only _for the owed money to show up on the paper statement_. It's weird but if you pay off the thing you bought immediately that day, it's as if it never happened. It needs to be recorded on a statement, then pay 100% off before due date and don't owe anybody shit!

Curious how the parent commenter had great credit with no seasoned lines of credit. It's one of the biggest factors in the score.

Months before seeking a mortgage loan, learn the score's equation and appease it.