I've been spamming the TK banking system as much as possible. I've got 9,000 in my savings and I skim the interest off the top every 30 days. I've also been taking out all the loans I can for the full amount all at the same time and paying them back on a 29 day schedule. Whenever I pay all the loans back, I rinse and repeat. My TK credit rating is 3,279. It doesn't affect anything, but as soon as Hambil gets off his programming ass to set things up, I'm gonna be sitting pretty.