 TITLE: An Essential Guide to How Credit Works CONTENT: It's Never too Late to Work on Your Credit\n------------------------------------------\nThe best time to start working on building your credit is now. Regardless of how many negative items you have on your credit report, their impact can diminish over time as you add new, positive information. And while it may take time to get to where you want to be, improving your credit score could save you thousands of dollars on future credit opportunities. END