“My Credit’s Bad, My Parents’ Credit Is Worse — What Now?” A Student-Athlete’s NIL Guide to Building (and Rebuilding) Credit for You and Your Family

Let’s keep it real.You’re a student-athlete. You’ve finally started earning money through NIL (Name, Image, and Likeness) deals. The checks are hitting. The brand deals are starting. Life feels good—until you try to lease an apartment, finance a car, or even set up utilities. That’s when it hits you: You’ve got bad credit—or no credit. …