Dad now that I am out of college I want to live in my own apartment.
Ok lets look into it and see if you have enough money for this.
Dad before we look into this I need to tell you something... I lost my job at Subway a few months ago and I have missed a few payments for my credit card.
Ok lets look at your credit report and see what your credit score is.
Ugh I'm sorry Dad would you mind just paying for my cellphone bill for just this month please?!
Ok so your late for your cell phone payment. Also, you overspent your creditcard limit.
I don't know :(. My credit score is all the way at 520 isn't that good at least?!
Yes fine I will, but how do you expect to live in your own apartment when you can't even pay your phone bill and have no job or savings?
Oh my God! Ahhh!! What should I do to fix this Dad I want to live on my own before I'm 50!
Actually no honey I'm sorry to break this to you, but a good credit score is around 700.
Okay ugh this is going to be so hard when the new iPhone comes out next month!!
Oh don't be silly hun you won't be living with us until your 50... well I at least hope not...kidding! To improve your credit score we will get you a job, you will pay your bills on time, and you won't overspend.