📊 Module 3

Credit Score 101

The number that follows you for decades. Learn what builds it, what destroys it, and how to take control before life takes it for you.

Step 1 of 5 — What Is a Credit Score? 20%
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What Is a Credit Score?
A credit score is a three-digit number (300–850) that tells lenders how likely you are to repay debt. It affects your ability to rent an apartment, buy a car, get a mortgage, and sometimes even land a job.
300
No Score
300 — Poor 580 — Fair 670 — Good 740 — Very Good 800 — Excellent
Poor 300–579 Fair 580–669 Good 670–739 Very Good 740–799 Excellent 800–850
Pick your starting situation — see where you'd likely land:

🆕 Just starting out — no credit history

Never had a credit card, loan, or anything in your name. You're invisible to lenders.

N/A

💳 Had a secured card for 6 months

Small credit limit, always paid on time. You have some history but it's thin.

~600

🚗 Co-signer on a parent's car loan

2 years of on-time payments on someone else's account. Some history, some mix.

~650