Module 1, Session 2: Credit History, Credit Reports, and Credit Scores

Learn how your credit history, credit reports, and credit scores are connected—and why they are not the same thing. This session explains how financial activity becomes part of your credit history, how credit bureaus organize that information into reports, and how scoring models use report data to calculate scores. Guided exercises and professionally designed worksheets will help you recognize the purpose of each component, correct common misunderstandings, and evaluate credit information with greater knowledge and confidence.