Do you know how important your credit score is when you're trying to purchase a car or a home? People think a high credit score is really not that important because a lot of lenders will take you and give you an outrageous interest rate on a home or an auto loan. So let's talk about it. You need to get to at least a 660 FICO auto score to qualify for a decent rate. That's decent. It means 8 to 10 percent. You need to have at least a 620 for a conventional home loan of 580 for an FHA glass bar. It's the most important. Neither one of these are going to get you a great interest rate. So you need to be focused on raising that credit score. You can do that with positive payment history or credit card. Not everybody wants a credit card and you don't need a credit card to build credit because of the sesame cash card. There's no hard inquiry and zero fees. You build credit with your everyday debit purchases. You must activate the credit builder feature and there's cashback rewards for the first 30 days for increasing your credit score. You can get your free account in my bio.