Gathering ingredients for a smart money management soufflé hasn't been easy. While you've secured a steady paycheck, opened a NextGen Checking Account, and whipped up a small savings cushion, you're still missing one key ingredient that could make your recipe fall flat - good credit. Without it, achieving your financial dreams might be tricky.
Individuals with little or no credit often fork over more money in housing and utility deposits. Everyday purchases, like wireless services, may also burn a hole in your wallet when you have to pay up-front for devices or data.
Crack open these tips to help build good credit from scratch.