Credit 101

This program is designed to help complete beginners understand how the personal credit system actually works and build the habits that keep a credit report healthy, without jargon, fear, or assuming any prior financial knowledge. Think of credit as your financial reputation, a running “trust score” that companies check before deciding whether to do business with you. You already have a reputation with friends and family based on whether you follow through on your word. Credit is the same idea, just tracked in numbers.