NerdWallet: Smart Money App

I was working hard as hell at a fast food restaurant for about 2 years when I met a guy who taught me about credit. He recommended this app, I quickly download it and started my journey on building my credit. I use to think “why have credit? why worry about credit?, why would I put myself at risk of owing money to a bank or personal lender, I have heard so many bad things.” But the guy I met explained to me vividly how to go about building and maintaining my credit to insure that “in the worst case scenario you’ll be taken care of, but only if you use credit for credit not to splurge. Don’t use it as a means to obtain cash you don’t have at hand. Use it as a means that ensures that as you progress in life, even if things turn sour you’ll be okay but only if you maintain you’re credibility. This app will help you, I’m certain.” This helped me out a lot, I watched my credit go from 552 to 688 in a matter of 8 months of being responsible and paying back what was owed and maintaining current or new credit accounts. I give NerdWallet a 1,000,000 star rating.