📌 What Is Credit & How Do You Build Credit Score From ZERO? A lot of people think no credit is better than bad credit — but when it comes to buying a home, car, or even renting, no credit can still hold you back. So what is credit? Credit is simply your track record of borrowing money and paying it back on time. Lenders use it to decide whether they can trust you. If you have NO credit at all, here’s how to start building it the right way: ✅ Open a checking and savings account with a bank This

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