Hi friends and welcome to Money Girl, a podcast that helps you master your money so you can live rich and love the journey.

My name is Laura Adams. I'm a personal finance expert

and award-winning author of several books including Money Girls Smart Moves

to Grow Rich. You can learn more about me at Laura D Adams.com. I received a great

question from Linda H who says I'm about to graduate college and I'm wondering if you could

do a podcast with tips for people like me who are

building credit from scratch. Thanks Linda. Maybe you guys can relate or maybe you're

decades older than Linda but are struggling to build credit. I got a note from

Rosemary M who says I'm a US citizen who lived overseas for 17 years and built a

stellar credit rating.

I returned to the United States six months ago,

but can't get approved for a credit card,

even though I have a job and pay all my bills on time.

Building credit is a really important part of having a healthy

financial life. In this podcast I'll address these issues and answer some more

credit questions that I recently received. You'll find out how a secured credit card works and why it's a foolproof tool to build credit if you choose the right product and use it the right way.

Don't worry about taking notes because you'll find every show

transcript plus the full archive of podcasts on the money girl page at

quick and dirty tips.com. This is episode number 437 called How to Build Credit with a Secured Credit

Card.

If you've been following Money Girl for a while, you already know the amazing benefits of building and maintaining great credit.

The better your credit, the less you pay for debt, such as credit cards, lines of credit, car loans, and mortgages.

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