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Hello BOB! let me tell you about my day. my landlord is not going to let me live in those fancy apartments because i don't have a credit report.
whats a credit report?
OMG I didn't know that! but whats a credit score?
a credit report is a history of you credit . a credit bureau does this based on your information like if you are in debt or if you have any loans. this also determines your credit score.
now i am well informed . thank you!
a credit score is a number telling your lender the risk it takes to borrow money. it represents your credit risk at on point in time based on the information found in your credit report
but im only 10!
well thank you for your time. have fun at work!
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