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You spend your childhood in school, moving from K thru 12, finally graduating (generally around age 18 or 19), then prepare to start the next book of your life known as “Adulthood”. Your childhood is behind you, no one telling you what to do. You are an adult now, which means “you decide”, and no one can decide, or plan, for you. How you start and what you plan to do is your decision alone. Or so you think. Little do we know that before we even entered adulthood, our credit, (and essentially our financial future), has already been determined for us.

So how is your credit score determined? Good question. When you were born,

you received a social security number. This number identifies you with your parents,

your family’s background and the demographic in which you are surrounded. Although

the Equal Credit Opportunity Act (ECOA) was designed to prohibit credit discrimination

(on the basis of race, color, religion, national origin, sex, marital status, age or if you are

receiving public assistance), the social security number was enacted in 1936 for the