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  • Hey man  can I get a boat for the low?
  • Yeah for sure let me just check your credit score really quick.
  • Wait, hold on. What is this credit thing supposed to be?
  • Let me tell you what a credit score is first before we look at that boat.
  • Ok thanks for letting me know I don't even have a car, I don't even know why I am buying a boat.
  • A credit score is a number that summarizes your credit history and indicates if you are worthy to pay off loans.
  • Your credit report is the record of your use of credit. There are 4 categories: Consumer (personal) information, Credit account information, Public record information, and Inquiry information.
  • Alright, I might need to check my credit report when I get home.
  • Alright, I might need to check my credit report when I get home.
  • You can also check your credit report from these 3 agencies:Equifax, Experian, and TransUnion.
  • I don't think I'm gonna get it, got to get a house and a car first. 
  • Good news you can buy the boat your credit score is 725 that's great.
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