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How to (and Why) Build Your Credit History as a Groom

What is credit history, and why is it important? For “The HorseGrooms’ Guide to Finance with Emmy Sobieski, CFA,” Sobieski breaks this down and more so that you can build a good credit history for your future.

1. Why You Need to Build Your Credit History

Having a good credit history is important because it can help you access credit when you need it, such as when you want to buy a car or a home. 

A good credit score comes from a long and good history of paying off your loans monthly. It can help you get better interest rates and terms on loans, credit cards, and other financial products.

Finally, even if you don’t intend to borrow money for a car or house, you may need to establish a credit history to rent an apartment in the U.S.

2. Overview of Building Your Credit History

Building a credit history involves using credit products, such as credit cards, loans, and other forms of credit, and making payments on time. A credit history is a record of how you have managed credit over time, and it is used by lenders and other financial institutions to assess your creditworthiness.

Get the nitty-gritty details on how to build your credit history.

Emmy Sobieski’s article doesn’t stop with this; it continues (and even in more depth) within the HorseGrooms Community. All you have to do is set up a free profile in the HorseGrooms Community and you’ll gain exclusive access to special resources, opportunities, courses and more. 

This is NOT a financial, legal, tax, or investment advice. 

This article is for educational purposes only. It is not advice. Why isn’t it advice? First, I don’t have the licenses necessary to advise you. Second, I don’t know your specific situation, which I would need to know in order to advise you (if I had the licenses, which I do not).  

Whenever someone gives you advice, ask yourself these two questions above: do they have the credentials, and do they know your specifics?  If either answer is no, treat their advice like a starting point of learning, and not as advice.

Let these blogs serve as a starting point in your education, not an end answer. Only you can find your answers to your specific situation.

December 20, 2023

Emmy Sobieski 🇺🇸

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