Having access to credit-building products is essential for consumers because credit plays a significant role in shaping our financial opportunities and stability. A strong credit profile can open doors to better interest rates, higher credit limits, and approval for mortgages, car loans, and other financing options, ultimately saving thousands of dollars over time. Credit-building products, such as secured credit cards, credit-builder loans, or accounts reported to credit bureaus, provide a structured way for individuals to establish or improve their credit scores, especially for those with limited or poor credit history.