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  •  Edward..I have a bad credit score.
  •  well Kayla, when was the last time you paid some bills?
  • No, I believe its because I paid with a debit card online. Right Ms.Sha?
  • That has nothing to do with it Kayla, but a credit card is better. But I'll see you guys in class tomorrow.
  • Hey Ms.Sha, question, what shows my late fees?
  • Your credit report does Kalen.
  • Oh hi... well as you know I'm almost 21, don't you think they'll let it slide and is it true lenders get credit history by obtaining credit score?
  • You aren't old enough to own your own card Ariana and you score will determine what loans you may qualify for  and the interest rate you will pay.
  •  Ms.Sha is my emergency savings in my bank account too and also what can I do with a good credit score?
  • Ofcourse  that's your money Maddy and yes that is true.
  • Finally some time to myself!
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