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Credit scores have often been seen by critics as random—largely due to the numerous elements influencing them—and some individuals even consider them as discriminatory . Yet they’re a necessary evil To obtain what Americans desire primarily: houses, vehicles, and reduced insurance premiums. Building a solid credit history sufficient for a "good" score—typically above 700—can require several years. Many younger consumers lack this. However, a report by Open Lending and TransUnion One of the primary credit reporting agencies indicates that millennials and Generation Z members are "set" to advance into higher credit brackets. Nonetheless, this might seem improbable to these younger cohorts since they generally do not perceive the economy or their financial situations positively—a trend referred to as the “ vibecession .” It comes as no surprise that millennials and Gen Zers aren’t feeling very positive about themselves. credit scores Ultimate...