By Carla Mooney
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Additional info for Understanding Credit
Sample text
Sometimes a credit score is called a FICO score. It was named for the credit company that created it. This number tells a lender whether a borrower is a high or a low credit risk. Low-risk borrowers are more likely to pay their debts. Credit scores range from 300 to 850. The higher the score, the lower the risk a borrower is. Your payment history is part of your credit score. Paying your bills late can lower your credit score. Having a lot of debt brings it down too. Opening too many credit cards can also reduce your score.
1. You can save $10 per week by not going to the movies with your friends. If you use that money to repay the loan, you’ll pay back your debt in five weeks. 2. Your mom has offered to pay you $25 for babysitting your little brothers on Friday nights. If you agree to do it, you will be able to pay back your debt in two weeks. 3. You usually spend $5 per week on milk shakes. If you skip the shakes, you can pay back your debt in ten weeks. 35 Most kids do not use credit, but their parents often do.
This lets them pay for unexpected expenses, such as doctor bills. Having emergency savings means you do not have to rely on credit for these expenses. Did You Know? Jude Boudreaux is a financial planner in New Orleans, Louisiana. He has his own way to avoid overspending. Boudreaux created a book with pictures of his financial goals. The book has photos of places he wants to visit. It has pictures of his house, which he wants to pay off in full. Boudreaux flips through the book to remind himself of his savings goals.