Which of the following is NOT a method to improve your credit history?

Improving your credit history typically involves building a positive track record of managing credit responsibly. Paying bills promptly is crucial, as timely payments contribute positively to your credit score. Opening a checking account can help establish a banking relationship and may indirectly support your credit history through financial management, even though checking accounts themselves do not directly impact credit scores. Applying for a small loan using personal assets shows that you can manage debt, further enhancing your credit history when repaid on time.

In contrast, the option that suggests never paying any loan back does not contribute to a positive credit history. Failing to repay loans leads to negative marks on your credit report, severely damaging your credit score and making it difficult to secure future credit. Thus, it is not a method for improving your credit history.