@shondamartin_: Building Credit For Beginners. The WAY you establish credit matters more than simply establishing it. You should aim to create a credit profile that reflects your borrowing capacity, not just a high score. Keep in mind, a high credit score alone doesn’t guarantee strong borrowing power or attractive credit offers. Removing negative accounts doesn’t automatically result in good credit; instead, building your credit is what truly matters. Lenders prioritize the narrative your credit profile presents over the sheer number of your credit score. In other words, don’t believe the hype - 700+ credit score receive denials everyday! Profile > Score