Family Money Adventure

Credit scores are a 3-digit number that represents your credit health. Whether you have a good score, bad score, or no score, there are actions you can take that can help improve your score, which can help you qualify for lending and credit cards and open other doors. A good credit score can also save you money.

In this episode, we'll discuss:

• What is a credit score?

• Is your credit score actually important?

• Ways to check your score for free

• Simple steps you can take today to boost your credit score

Speaking of simple…

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Resources On Credit And Race

U.S. News & World Report: How Race Affects Your Credit Score

Forbes Advisor: From Inherent Racial Bias to Incorrect Data—The Problems With Current Credit Scoring Models

Money Management International: Why Good Credit is Harder to Achieve in Communities of Color and What You Can Do About It

Board Of Governors Of The Federal Reserve System: How Much Does Racial Bias Affect Mortgage Lending? Evidence from Human and Algorithmic Credit Decisions

Bankrate: How race impacts credit: the history and effect on lending practices

GOBankingRates: Black Americans Are More Likely To Be Denied Credit — Here’s Why, According to Experts

Resources For Free Credit Score and Credit Report Access

• AnnualCreditReport.com

• Mint

• CreditWise from Capital One

• Credit Karma

• Credit Sesame

• Credit.Com

• Experian

• TransUnion

Credit Boosting Programs

• Experian Boost

• UltraFICO

• StellarFi

• Grow Credit

• TurboTenant (requires your landlord to also sign up for a free account)

Resources for Family Adventurers

• Learn More About Credit From Michelle Lambright Black at CreditWriter.com

• National Foundation for Credit Counseling (NFCC)

• Why You Need A High-Yield Savings Account

• Earn High-Yield Savings With A Cit Bank Savings Connect Account

• Best Budgeting Apps For Families In 2023

• Values-Based Budgeting: Spending Your Money On What You Love

• 11 Must-Have Gifts For Travel Lovers

• Check Out Our Favorite Money & Travel Tools, Books, and Products

Download Our Free Monthly Budget Planner

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YouTube: @familymoneyadventure

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