With $10,000 of someone else's money that I had to borrow, I would be saving and paying down my other credit card and car debt. 

Paralysis via over analysis is a pretty classical issue and I'm sure we all missed a deal at one time or another because of it...

Find someone you trust with excellent credit and see if you can be an authorized user on their credit card, or try and get a secured credit card.

It's not how they rate as a prospective renter, or home loan borrower or auto loan borrower, or ... it's completely unweighted.Also, CreditKarma is sponsored by Credit Card lenders / servicers.

Its not like owning a property personally where you can go work on it yourself, borrow on your credit card, take out a home equity line.  

Feltus explains after years of split testing (here, mailing the same yellow cards and postcards to the same list of prospects) demonstrates that “postcards tend to outperform yellow letters” because there are fewer “tire kickers” and it makes it more efficient.

I regularly check Mint and have been slowly increasing my score since getting my first credit card.

Regarding debt, I would definitely pay off consumer (credit cards...) debt as soon as possible but not the mortgage.Find the people around you that have the life you want and do what they are doing.  

The camera is connected via wifi to a TP-Link router with a LTE air card plugged into the USB port.

I have a credit card in the name of my business, and it shows up on one of the three big credit agencies but not all 3.