Building credit is important for all ages. We have recently seen a few estate cases where the surviving spouse with many credit cards and car loans through the years find that they do not have their own individual credit. The credit cards they hold were issued as the second card and their name was the co-name on a loan. Suddenly, they need to establish credit in their 70s. According to the Consumer Financial Protection Bureau (CFPB), an estimated 45 million Americans may not have their own credit.