Credit Building

What You’ll Learn

This chapter explains how credit works, what factors influence credit scores, and how responsible credit use can impact financial opportunities. You’ll learn about credit-building tools, common credit terms, and ways to maintain healthy credit habits.

Key Takeaways:

• How credit scores are calculated and why they matter

• Key factors: payment history, credit utilization, credit mix, and more

• Responsible credit habits to maintain a strong credit profile

• Balancing credit management alongside student loan payments