Credit shapes your future long before you realize it. This course teaches young people what credit is, how it works, and why it matters—before they need it. Students learn how credit scores are calculated, the real-world impact of good versus bad credit, and how companies begin collecting their information as early as age 13. Through practical lessons on credit reporting agencies, early credit-building methods, and smart financial behaviors like paying on time and understanding credit applications, students develop the mindset and knowledge to build credit consciously and confidently.

What You’ll Learn:

• What credit is and how credit scores are calculated
• The benefits of good credit and consequences of bad credit
• How your credit profile is created starting at age 13 (COPPA)
• Credit reporting agencies, subsidiaries, and connected companies
• Early methods to start building credit
• Smart credit behaviors: on-time payments, co-signing risks, and credit inquiries
• How to develop a credit mindset that protects your financial future

This is a self-paced course with module quizzes and a final quiz. A certificate of completion is awarded upon achieving 80% or higher.