 TITLE: A Guide to Establishing Credit for the First Time CONTENT: Don't Wait—Start Now\n--------------------\nBy this point, you probably realize why your credit is important and the benefit of establishing your credit as early as possible. The next step is to decide which type of accounts you want to open and how you're going to make sure you can make on-time payments and monitor your progress. Then you'll be on the road to financial independence. END