Main Mission Page

Welcome To Module Two:

Operation: Crack the Credit Code Your credit history tells a story—and lenders are reading it. Your mission is to discover what credit really is, what affects your credit score, and how your financial decisions can strengthen or weaken your credit profile.

Mission Objective: Decode credit scores, credit reports, utilization, payment history, and the habits that build strong credit.

🕵️ Mission: Understanding Credit

Watch at least 95% of the workshop video to unlock the quiz. You must score 70% or higher to continue.

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📘 Lesson: Understanding Credit

Credit = managing debtresponsibly. Your credit score (300–850) reflects payment history, utilization, length, new credit, and mix. Pay on time, keep balances low (<30%), avoid too many applications, and monitor your credit reports.

🔒 Quiz Locked — Watch at least 95% of the video to continue.

🎯 Quiz

1) What is credit?

Free money Borrowed money to be repaid A gift from the bank

2) What does a credit score represent?

Your total income Your financial trustworthiness Your debit card balance

3) Which has the biggest impact on your credit score?

Credit mix Length of credit history Payment history

4) Best strategy for managing debt?

Max out all cards Pay late Pay on time & keep balances low

5) What is a good credit score range?

750–850 300–500 600–650

6) What does "credit utilization" refer to?

Using cash only Using most of your available credit Keeping balances low on credit cards

7) What should you do if you find an error on your report?

Ignore it Report it & request correction Close all accounts

8) Way to build credit when starting out?

Get a secured credit card Take out a huge loan Use only cash

9) What happens if you apply for too many cards?

Score may drop Score improves Nothing

10) Credit is really about…

Spending more Managing debt wisely Having fun with money

You passed this workshop. Continue to Workshop 3 when you're ready.