What can I do to get more (or better) quotes for my loan request ZR-DRDHYPPI am told my credit is "excellent, but thin". I only have one credit card, rent, electricity, and car insurance in my name. The other utilities are in my roommate's name and I have never had a cell phone. Should I start now trying to open credit card accounts? Won't I have to wait a year before they count?January 08 2012 - Chapel Hill00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.