Kadeem Roberts is 28 years old with a total of five credit cards and an excellent credit score. But that wasn’t always the case.

Roberts, who went to college for two semesters and withdrew because of the high cost, was doing odd-and-end jobs before a sales job rewarded him with a good salary. While he was looking to buy his first car with his new salary, he soon learned that he couldn’t qualify for a loan to do so because his score was around 604 at the time, Roberts recalls.

Read more at CNBC.