Q: I want to buy my dream home, but it’s not easy. I need to have great credit, and I don’t have any credit at all! Where I live, there are lots of houses on the market for cheap. I have the income and a good job, but my lack of credit is the problem. Any advice?

Q: I’m a real estate agent, and I often work with young adults who have graduated from school, have good income, but no credit. What is your advice for them to help build a strong credit record so they can qualify for a mortgage?

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