The Path to Building Credit A Starter Conversation Guide for Parents and their Young Adult Children

Credit touches all aspects of life, and healthy credit is essential to capitalizing on life’s big opportunities. Buying a car or a cell phone, renting an apartment, buying a house and even job opportunities all can take your credit health into account.

The idea of using credit is often foreign to today’s young adult (dubbed Generation Z). The good news for parents is that you can help your young adult understand how to start pragmatically building credit and why it’s an important resource they’ll need to earn the financial freedom and flexibility they want. Use this guide to talk to your young adult about these key credit topics:

  • Understanding credit basics
  • Developing smart, healthy credit habits
  • Helping build credit before your child reaches adulthood
  • Building credit independently
  • Seeing credit challenges as opportunities

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