Credit is a part of your financial power. Building good credit is like building a house. You start with a firm foundation - which, in this case a credit score and you build from there. It's all about how you spend the money you earn and how much debt you incur.

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As you set your foundation for building good credit, know it may take time, but it's never too late to start. Set small, achievable goals and give yourself a big pat on the back each time you accomplish one.