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</html><thumbnail_url>https://emmloans.com/wp-content/uploads/2022/04/buildingyourCredit.jpg</thumbnail_url><thumbnail_width>735</thumbnail_width><thumbnail_height>606</thumbnail_height><description>If you haven&#x2019;t built up credit yet, there is no time like the present to start. This is a long-term process, not something that you can change overnight, so the sooner you get going the better your chances of having access to credit when you need it. The Consumer Financial Protection Bureau estimates that approximately [&hellip;]</description></oembed>
