My solution for this type of situation is MicroBin running on my home network from a non-standard port, with a port knocker to open and close the port when needed.
My router handle DDNS so I can always contact my home network easily. I port-knock to trigger an iptables command on the router to forward traffic to the MicroBin host.
I also have my phone set up to connect via openvpn to my home network so that I can remotely do things like start and stop services, set port forwarding rules, etc.
It is important to note that while a FICO score is roughly equivalent to “trustworthiness”, the three credit agency scores (Equifax, TransUnion, and Experian) are NOT meant to reflect your trustworthiness directly. Rather, they are specifically designed to inform lenders of your profitability for them.
It’s an important distinction because having a an outstanding payment history alone won’t improve these scores, if you aren’t utilizing available credit and maintaining some running balance with lenders.
Basically, if you’re just going to borrow money and never pay any interest on the loans, you aren’t actually a source of profit and therefore aren’t a desirable customer for lenders and creditors