In this session, I'm breaking down the essentials of building credit for beginners. I emphasize the importance of having solid, positive accounts in your own name, with no late payments, to establish a strong credit profile. I recommend starting with a secured credit card, like the First Progress card, and spending just $20 a month to build your credit over time. Additionally, I suggest setting up automatic payments to avoid any late fees, as one late payment can significantly damage your credit future. If you're serious about leveling up your credit game, consider joining my $99 group for further guidance.