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Hey Jonathan, I got a problem a went to the bank and to get a loan for a new car but they told me that I didn't have any credit score, do you know what that means?
Yeah I got you Marshawn, but I'll tell you after practice.
Well Marshawn you need a credit score so the bank knows if they can trust you to pay back or not.
Ok man, oh! And ALWAYS pay your bills consistently and on time! And have a mix of different types of credit accounts.
Ohh ok, I'm going to start using my credit card now!
Yeah bro, thanks and will do.
You get one free credit a year fam, I recommend annualcredit.com
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