I have singlehandedly lvld my FC to 6 for housing purpose. (Only active member). The easiest ways of farming credits and rank pts are #1: FATEs - Sit in Bluefog / Ceruleum and Fate Fate Fate. #2 craft HQ items (mostly ingots, lumber etc. - Find your niche item). Gathering HQ gives points but is much less reliable due to low%. There are many other ways of gaining both pts. but those are what worked best for me. Side note: Do things together as an FC will earn pts much MUCH faster.