I have no credit debt except for my mortgage and $1,000 left on my car loan. I make 85,000 a year. My credit score is only 600 due to the fact that I got cancer a few years ago. I recently got approved for a $1,500 personal loan. I only did this to try and improve my credit score. When I used a credit simulator on another site it actually dropped it a few points??!! I thought this would eventually improve my credit, not hurt it. How am I going to improve my credit if I never get loans?