Credit Report Comic Strip
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I can pay for the bill, I just got another credit card last month; it's my third one!
Thanks! But you know you should be careful of keeping track of your credit score.
What's a credit score? How do I find that?
A credit score is a numerical summary of your credit history that indicates your creditworthiness. You can either go to a credit reporting agency or go online to www.annualcreditreport.com
Wow, I hope I don't have a bad credit score. How do I develop a positive credit history?
Well you can pay your bills, maintain reasonable amounts of available credit, apply for credit sparingly, and more!
I never knew that! But why is it important to have a positive credit history?
A positive credit history informs lenders that you are financiallly responsible and therefore pose less risk.
I guess since I haven't paid a credit card bill, I probably have a bad credit score.
Time is the only way to remove potentially negative information from your credit report.
Well, thank you for telling me this before I went applying for more credit cards!
No problem, I think I will take the bill instead now.
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