Most people don’t hang around the trendy coffee shop just for the skinny vanilla latte. The under-30 crowd in particular, is there for the social experience, a fact shops are starting to recognize and contribute to, with mood music, comfy couches and a no-hassle-if –you-sit-there-for-three-hours policy.
A good credit history is crucial when it comes time to take out loans or invest in big purchases such as homes and cars. To many creditors, a person with no credit history is just as unreliable as one with bad credit because there are too many unknown risks. Unfortunately, many...