If you have been hearing that credit scores are changing, you are not imagining it. 2026 is shaping up to be a transition year for how lenders evaluate borrowers, especially for mortgages. Fortunately, most of the habits that help your credit stay healthy are not changing.
2026 Credit Score Changes: What You Need to Know for Financial Success
How to Build Good Credit From Scratch
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.
"Two Dos" for Financial Health
How exactly do you get your finances where you want them? Everyone’s situations and goals are a little bit different, but these two financial health to-dos are a great place to start.




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