Credit Report Comic

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  • Do you have a good credit score?
  • What is credit score?
  • Having good credit score refers to the good use of using credit.
  • Ahhhh that makes sense.
  • There are two types of credit scores though. The good range for each score is different. You have a FICO credit score and a VantageScore.
  • Really? I thought there was only one credit score for all. How can I check my score and does it cost anything?
  • You have to get a credit report to check your credit score. Each year you are allowed to get ONE free credit report. Any additional ones cost $10.00 each.
  • I really have to go check my credit score. What happens if it is really bad?
  • Do you own a lot of credit cards? Have you made a lot of inquiries? Are you paying your bills on time?
  • Oh my goodness! I have 10 credit cards and have made like 5 inquiries just in the last week. Also I've been struggling to pay bills for the past two months. This is bad, this is really bad.
  • Well I'm sorry to break it to you but your credit scores are most likely really bad then.These events show up on your credit report and many agencies will view you as a person with low creditworthiness. Say goodbye to you getting loans anytime soon. You better find some ways to improve your credit score immediately.
  • Oh NO!...My future is ruined. How can I tell my wife?! What if I can never get my score back up to the range that it is supposed to be. Oh my goodness this is so depressing.
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