Kenny Johnson University

This visual guide from Kenny Johnson University highlights the most effective credit-building habits. Learn why on-time payments, low credit utilization, and patience are key to improving your score and unlocking better financial opportunities.

Your credit score is one of the most important numbers in your financial life. It influences whether you qualify for a loan, the interest rate you receive, and sometimes even your ability to rent an apartment. Yet many people don’t fully understand how this number is calculated. In this guide, we’ll break down how your credit score is calculated in clear, simple terms—so you can take control of your financial future with confidence. What Is a Credit Score? A credit score is a three-digit number that represents your creditworthiness. It is designed to predict how likely you are to repay borrowed money on time. Most commonly used credit scoring models, such as FICO and VantageScore, range from 300 to 850 . Generally: 300–579 : Poor 580–669 : Fair 670–739 : Good 740–799 : Very Good 800–850 : Excellent The higher your score, the lower the risk you present to lenders. At Kenny Johnson University , financial education focuses on helping individuals understand not just ...

 Learn what a credit score really means, why it matters, and how it affects your financial future. Kenny Johnson University breaks down credit basics in a simple, easy-to-understand way for everyone.

 A low credit score can feel like a heavy roadblock. It affects your ability to qualify for loans, secure lower interest rates, rent an apartment, or even pass certain background checks. The good news? Bad credit is not permanent. With the right habits, patience, and strategy, you can fix your credit score naturally—without shortcuts, gimmicks, or risky tactics. This guide breaks down practical, proven ways to rebuild your credit step by step, focusing on long-term financial health rather than quick fixes. Understand What’s Hurting Your Credit Score Before improving your credit, you need to understand what’s holding it back. Credit scores are generally influenced by a few core factors: payment history, credit utilization, length of credit history, credit mix, and new credit inquiries. Late payments, maxed-out credit cards, accounts in collections, and frequent loan applications can all drag your score down. Reviewing your credit report helps you identify these issues clearly so...