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  • Now I know that my old credit decisions affect my current score. 
  • GOOD JOB! Building a positive score is easy to do if you stay organized and save in order t make your payments.
  • I am scared I may fall behind in the future. 
  • Just always keep a goal. Make it Specific, Measurable, Attainable, Relevant, and Time Based. Be SMART.
  • I know FICO is a score from 300-850. Are there other scorers?
  • Yes, there is Vantage Score which ranged 501-990.
  • Since you are only 19, you need proof of consistent income to get a credit card.
  • Perfect. I have proof of independent income and a raised credit score.
  • So, the moral of the story is if you pay your bills in full on time, you will have a good credit score which will allow you to get loans and credit cards with a much lower interest rate.
  • Thanks Amy.  Your present self impacts your future self!
  • 20 years later...
  • Amy! Thanks to your advice, I took out a loan for a cheap rate of interest and was able to buy my dream car.
  • Glad I could help.
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