Know YOUR Credit Report

Stacked Intent

• Brief Summary of objectives (3):
  • Credit scores vs. credit report
  • Why bother with credit report?
  • Building good credit
• Credit
  • Topic 1: Credit scores vs. credit report
    • Why does it matter how we have paid a credit card on time?
    • Credit score only when you are trying to use it
    • Top thing to effect your credit score is paying on time, how much credit you have and how you have used it, with a varity of credit, your history.
  • Topic 2: Why bother with credit report?
    • One of the top reasons is to make sure it is accurate
    • You should get one credit report yearly
  • Topic 3: Building good credit
    • Pay your bills on time every time, shows how you can be trusted with money being loaned.
    • Paying it on the due date might not pose on the due date
    • Don’t get to close to your credit limit.
    • Maxing out credit cards aren’t good… using less than 30% of your given credit limit.
    • Do not apply for to much credit in a short amount of time.
  • Topic 4: Really Credit Bad credit – how do you rebuild?
  • 4 Things that don’t help credit: Prepaid Card, Debit/Cash, Taking Out Payday loan or an autoloan that are own here buy here.
  • Call to action: Take a moment today and to go get your credit report.
• Resources and where to connect.
  • [e-mail]
  • Facebook – UAEX White County
  • IG/Pinterest – katiecullumuaexfcs
  • Website: https://www.uaex.uada.edu/life-skills-wellness/personal-finance/
  • Credit – Credit Help for Arkansans: Names and Numbers to Know - FSFCS91 (uada.edu)

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