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Halloween Presentation

MICHAEL PERDUE BARBOZA

Created on October 4, 2024

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Transcript

This class is important because it teaches me things i need to know for the future

Michael

Barboza

I love to go on adventures with my friends, and i love snowboarding

Generosity

My three financial goals:

  • To become better at spending
  • Be a little more cautios with my money
  • Start saving money
My biggest struggle trying to meet these goals would be me spending too much money. My plan to face these struggles would be slow down on spending money

+INFO

Credit Scores/ Reports

What is a credit report? A credit report is a sort of statement that has infromation about your credit activity along witj your current credit information
5 factors and weights of credit score.
  • Payment history 35%
  • Amounts owed 30%
  • Length of credit history 15%
  • New credit 10%
  • Types of credit in us 10%
What is credit score? A credit Score is basically all of your credit activity summed up in a number between 300 and 850. the many things that can afffect this such as not giving payments on time.
Credit Report Catergories Exceptional 800-850 Very good 740-799 Good 670-739 Fair 580-669 Poor 300-579
3 major credit bureaus Equifax Experian TransUnion

Continued

FICO score ranges 300-850
There are many impacts that low credit has such as paying more loans. As well as having a chance of lat out being denied for one.
If you want to build and maintain a good credit you should follow the ways that affect your score and avoid doing them
Implications of joint credit accounts. Complicated Taxes, Divorce, or benefits.
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