WHO CALCULATES YOUR SCORE?
Think of a credit bureau like your school report card – but for money.
Instead of grades for maths or English, they keep “scores” for how well you handle debt and payments.
They collect all your money history from banks, stores, and lenders, then crunch the numbers into a credit score. Some mark you out of 800, others out of 1000—but just like school, the higher your score, the better you look.
Lenders, landlords, and even some employers check this “money report card” before deciding if they can trust you with their cash, property, or job.