1. Your Credit Score
And why it matters 

2. What is a credit score? According to bankrate.com: In other words:
Your credit score is a three-digit number generated by a mathematical algorithm using information in your credit report. It's designed to predict risk, specifically, the likelihood that you will become seriously delinquent on your credit obligations in the 24 months after scoring.
In other words:
How risky you are as a borrower

3. Credit Score Range
300 to 850
This is your FICO range, not your only credit score, but used by about 90% of lenders
Different lenders might adjust your FICO, but it is the best basis you as a consumer has.

4. Who keeps track of your credit score?

5. What affects your credit score?
Open Credit Card Utilization
Percent of On-Time Payments
Number of Derogatory Marks
Average Age of Open Credit Lines
Total Number of Accounts
Total Hard Credit Inquiries

6. Major negative actions on your credit report
Bankruptcy
Foreclosure
Collections
Tax lien
Civil judgment

7. Credit Report According to the Consumer Financial Protection Bureau:
A credit report is a statement that has information about your credit activity and current credit situation such as loan paying history and the status of your credit accounts.
Keeps track of your entire financial life and is what your credit score is based upon

8. Why does your credit score matter?
Qualifies you for loans
It determines your interest rate
Could get you a job
Used to determine your character

9. Challenge things on your credit report
Submit to each credit union, in writing, what is wrong
Merged records – same name
Paid bills – not reported to CB
Wrong information

10. Compound interest – 8th wonder of the world
Is greatly affected by interest rate
Makes you money Or
Costs you money