I got a quote recently from my credit union for an auto loan: 9% interest, despite the fact that I have a credit score around 800. They implied that I didn't have "enough" in my credit history. The only debt I've ever had is 1 credit card, which I've always paid off each month. There was nothing amiss on my credit report. Do I need to take out more cards? Should I take the auto loan and pay it off quickly, just so I can fix this situation before I buy a house?