Help with raising my credit score?

One of the most important things to remember on a loan or credit card is to make the MINIMUM payment for at least 3 months. If you pay over the amount of the minimum payment it lowers your credit limit. Take out a loan but set the money to the side so you have it to make minimum payments. When you get close to the last couple of payments it's not going to affect you that much if you pay it off.