The author shares their journey from having no credit history to achieving an excellent credit score and becoming a homeowner. Initially lacking knowledge about credit, they benefited greatly from being added as an authorized user on a colleague's long-standing credit card, which kickstarted their credit history. By monitoring their credit score, applying for their own credit cards, and maintaining a strict discipline of paying balances in full and on time, the author gradually built a solid credit foundation. They also learned to choose credit cards that matched their financial goals and lifestyle. Eventually, this disciplined approach enabled them to finance a house at a favorable interest rate, underscoring the importance of setting financial goals and taking concrete steps to improve one's creditworthiness.
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