“Hey, do you want to learn how to build your credit score,” I yelled across the street. It was April. I was drenched in sweat and was standing next to my table at the Alumni Walk on campus. A student stopped and headed toward my table. I then proceeded to tell her what makes up her credit score and what can help her credit score.

At the age of 18, I got my first credit card. I’ll be honest. I was a little scared to get one because I heard