Recipes for Financial Fitness

Becoming Financially Fit

Controlling
Finances

Credit
Basics

Introduction

What is a credit score?

How do I get my credit score?

Why do financial institutions use credit scores?

What affects my credit score?

What is a good score? A bad one?

What difference does a score make?

Questions and Assessment
Stay on Track
Continue Your Success

Related Topics
Resources

Credit Score Basics I

Stay on Track

•	Ask your Habitat advisor what credit score you need to qualify for a Habitat for Humanity home.
•	Know how to order your credit score.
•	Know how to go about fixing errors on your credit report if you need to.
•	Know what financial behaviors will improve your scores. Using the FICO® Score Estimator, plug in a variety of information to get a feel for what makes the score go up and what makes it go down.
•	Know how to calculate what it costs to have good or bad credit. Go to www.Bankrate.com and compare typical interest rates you'd quality for in each FICO score range.

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How Financially Fit Are You? Find out now!

•	What is credit?
•	What does "good credit" mean?
•	I want to read my credit report.
•	What is a credit score?

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