Please answer the below in 175 words or more.

Respond to the following:

• How do you build and maintain a positive credit history that leads to a high credit score? What changes could you make to improve yours?
• If you have a friend who is hoping to buy a home in the next few years, what should your friend know about the process of finding and paying for a new home? What do they need to know to make the home-buying process smoother? How does their credit score affect this process? How would your friend determine what is affordable?