Scared off by the high interest rates, many adults are choosing to avoid credit cards and the risks they present to anyone who carries a balance. But not using credit at all comes with its own risks. Lenders use credit history when deciding whether to give you a loan. No credit history, makes the possibility of gaining financing very difficult. Tune in to today's episode where Ralph discusses the steps to take to build your credit score in part two of our series on credit basics.
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