Imagine that you start to learn a new discipline at school.
Your teacher tells you that at the end of the year, the student with the best result will participate in the Olympiad.
So, on the first day, all students are equal in level of knowledge. If you want to attend the Olympiad, you start from the first lesson to demonstrate your interest and your desire to know this discipline perfectly. For example, you regularly do your homework, study additional material.
And in a month you should be able to show that you understand this discipline much better than your classmates. Regular homework and responsible study will make you the best student by the end of the year.
Just as you work every day to study the discipline to become a better student, so your parents work every day to create a good credit history to get profitable loans in the future.