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Storyboard Text

  • This is Jim. And he is very sad. Why are you sad Jim?
  • Well, I wanted to get a loan for a new car but I was turned down. They said I had a bad credit score.
  • What is a credit score Jim?
  • I'm not sure I understand it myself.
  • I know what a credit score is!
  • Please tell.
  • A credit score is pretty much a way for a lender to evaluate the risk associated with lending you money. And it is based on your past payments dealing with credit. So a late payment or a payment lower than the minimum will lower your credit score.
  • WAIT! So because I pay less than the minimum on my credit card and I made a late payment it lowered my credit score?
  • That's right
  • So, what did we learn today Jim?
  • I learned to always pay more than the minimum, and always pay on time. Or my credit score will go down. And I will be less likely to recieve credit.
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