We are still not doing so well. After spending the last year and a half trying to build our credit, I feel like we are backsliding. We are considering an interesting option right now. We are thinking about Payday Loans. Now, hear me out about this one. If a payday loan goes on our credit, and we are able to stay up with our bills, maybe it would be a good idea? We wouldn't take out more than one loan at a time, and we would make sure to have all payments in early. If we decide to borrow money, wouldn't it be a good idea to build our credit? Now, we just need to find out if and which payday loans build credit.