Understanding credit for the young adult was written because there are no financial literacy courses available in high school or college for young people. Many young people today make serious mistakes with their credit that affect them for years to come. This book attempts to educate young adults about how and when to apply for credit in a useful and beneficial manner. It has tips on banking, budgeting, saving and having a patient and positive outlook on making solid financial gains with the use of credit as a tool for financial success and prosperity. This book is the culmination of over 30 years of credit experience by a trained credit analyst and lecturer. Besides the help it give to young adults and students, it is a blueprint for parents and others to improve their credit scores and profiles.