This is a 9th and 10th grade informational text about personal credit. While reading, students should, cite strong and thorough textual evidence to support analysis of what the text says explicitly as well as inferences drawn from the text. Students should determine a central idea of a text and analyze its development over the course of the text, including how it emerges and is shaped and refined by specific details; provide an objective summary of the text, and analyze how the author unfolds an analysis or series of ideas or events, including the order in which the points are made, how they are introduced and developed, and the connections that are drawn between them. After reading, the student would know: 1. What factors go into creating a credit score 2. How to improve a credit score? (License: https://creativecommons.org/licenses/by/4.0/)