Naomi is planning to get a job after graduating from college. Which explains why she should establish a positive credit history?

Some employers review an applicant’s credit history as part of assessing reliability and responsibility, especially for jobs involving finances or sensitive information. A positive history may therefore help Naomi appear more responsible to future employers. It does not directly make her better at the job or complete applications better, and a positive credit history would not increase her student-loan interest rate.

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