Building credit can feel like a catch‑22—especially if you’re starting from scratch, rebuilding, or living debt‑free. In this episode we sit down with James Yendrey of InvestMentorSM to unpack the new wave of “credit‑adjacent” products that can report debit spending, rent, and utilities to the credit bureaus—plus the risks to watch for, like fees, incomplete bureau reporting, and transaction reversals.