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Step 1: Research Assignment

Format: Individual or group project.

Task: Choose one of the three credit reporting agencies (Equifax, Experian, or TransUnion) and explore their website. Focus on finding out:

How credit scores are calculated.

The services each agency offers to consumers.

The importance of credit monitoring and management.

Examples of real-life situations influenced by credit scores (e.g., loans, insurance premiums, employment opportunities).

Step 2: Real-Life Impact

Search for examples (articles, news stories, case studies) that show how a person’s credit score has impacted a real-life situation. Some situations to consider include:

Buying a home or renting an apartment.

Applying for a credit card or loan.

Securing a job where credit history is checked.

Obtaining car insurance or setting utility rates.

Step 3: Collect Resources

Use the articles, case studies, and videos provided or find additional credible sources on the topic of credit scores and their impact.

Take notes on the most important information that will help explain how credit scores work and why they matter in everyday life.

Step 4: Presentation Preparation

Prepare a 5-minute presentation that includes:

A summary of what you learned about your assigned credit reporting agency.

Examples of real-life situations influenced by credit scores.

Any surprising or important insights you discovered in your research.

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What factors make up a credit score? (e.g., payment history, credit utilization)

What are the differences between the three credit reporting agencies?

How can someone improve their credit score?

Why is it important to check your credit score regularly?

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Credit Score: Definition, Factors, and Improving It

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A credit score is a number from 300 to 850 that rates a consumer’s creditworthiness. The higher the score, the better a borrower looks to potential lenders.

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(Article) How credit Scores affect Mortgage Rates

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(Article) How credit Scores affect Mortgage Rates

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Your Credit Score Affects Your Mortgage Rate—Here’s How to Improve It

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(Video) How Credit Scores Influence Mortgage Rates

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(Video) How Credit Scores Influence Mortgage Rates

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Mortgage Basics: How does your credit score impact the home buying experience?

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How Credit Scores Impact the Black Community & Common Credit Mistakes