Buying jewelry is the easiest and quickest way to build up a good credit score. Most jewelry stores do not require a down payment on jewelry so that makes it easy to buy. Having a good credit score lowers the cost of future down payments on houses, cars, phones and anything else worth a high value. Not only does jewelry raise credit scores, but it also protects you from deflation. The value of a dollar is always changing due to the conditions of the economy, but the value of jewelry such as diamonds, gold and pearls always stay the same. With that being said, buying jewelry is a good investment for your future.