Younger Doesn’t Always Equal Better

The world is your oyster, especially when you’re young.

In your 20s, you might embark on an exciting career, or fall in love and start a family, or hop on a plane and travel the globe. Why not? This is the time to explore, adventure, and launch yourself into adulthood.

Anything is possible.

Well, not anything.

Unfortunately.

When you’re young, you have thin credit. This means:

• You haven’t had enough time to build up your credit history.
• You make rookie mistakes—like paying bills late—that hurt your score. A lot.
• Your credit mix, well, stinks. Compared to someone in their 60s, you likely haven’t owned multiple houses, cars, credit cards, insurance plans, etc.
• You’re prone to dropping into the FDIC’s subprime market. One out of three people fall into this category with a credit score of 650 or less.

Being young is great—except when it comes to credit. But, it’s okay. The past is the past. Now it’s time to look to the future, improve your score, and own the home you’ve always dreamed of. Learn more at smartwithdebt.com.