Credit Report

Credit Report
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Storyboard Description

for perfinlit 7th period.

Storyboard Text

  •     Hey mom! Since I'm 18 now, can I get a credit card?
  • Well, I'm taking a financial literacy class in school and the teacher taught me some things, like needing a co-signer and spending less than the credit limit. There was also this thing about credit score, a number that represents how credit-worthy a person is.
  • Sure, Mae , but first, you have to know how to use it.
  • Also, we learned more stuff about credit like, how a credit card is open-ended, meaning that I don't have to apply for it every time I want, I just need to pay the amount I spent in a later time. More about credit score and how to improve it by not going over the credit limit and paying bills on time.
  • Wow, she really wants a credit card.
  • One more thing about credit score is that you can estimate what your credit score is through FICO.
  • Okay, now, do you know about credit reports?
  • Well, I know that credit report shows your history of using credit, including the accounts you have (both opened and closed), your payment history, credit limits, and amounts owed.
  • That's good! Another thing that you should know about a credit report is that negative references do not remain on your credit report forever
  • Also, you can check your own credit report and score without affecting your FICO credit score. If you can deal with the responsibility of having a credit card, meaning following all rules, then I'll let you get one.
  • YAY! Don't worry, I'll make sure to keep my credit score high and check my credit report often.
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