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Texto del Guión Gráfico
I can't believe I didn't get the loan. What's your secret, Bella?
It's not as complicated as you might think. Firstly, you must understand what credit is.
Credit is a way to obtain goods or services with the expectancy that you'll pay them back.
About 35% is your payment history, 30% is amount owed, 15% is length of history, 10% is new credit, and 10% is variety of credit.
You can also get a credit report, which is a detailed history of everything having to do with you and credit.
Annually, you are given three credit scores from each of the three credit bureaus. Your score has different components as well.
Credit you are involved with directly affects your credit score.
So, I didn't get the loan because of my credit score?
Additionally, bankruptcy could deter former employers and loan opportunities.
Probably, yes. And you have to be careful about credit. If you don't make payments, you could fall into debt and have to file bankruptcy.
Bankruptcy dissolves most of your debts, but not all. And bankruptcy has an effect on your credit score and report for up to 10 years.
Your character, your capacity to pay the loan, your collateral to cover the loan if you don't pay it, your capital, and the conditions of the loan.
Next is the 5 C's of Credit. It's a system used by lenders to gauge the creditworthiness of potential borrowers.
Back to debt, though. What should I do if I ever get into trouble with debt?
Careful, though. Some "credit counseling" agencies are scams, and just get you into more debt.
Good question, Rachel. There's something called credit counseling.
It provides people with financial education, budgeting help, and a variety of tools to help eliminate debt.
To maintain good credit, it is important that you make sure to use your balance wisely and pay on time.
Some pitfalls of credit cards are maxing out your balance, only paying the minimum payment, and missing your due dates.
I'm sure you know what a credit card is too. Keep in mind that on a credit card, it isn't your money.
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