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Introduce yourself please 😁
Please introduce yourself by sharing: - Your first name - Where you’re from - What inspired you to join T360 Credit Academy - One credit topic or question you’d like to learn more about
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Welcome to T360 Credit Academy!
Welcome, and thank you for joining our community. T360 Credit Academy is a free educational space dedicated to helping you better understand credit and financial literacy. Our mission is to simplify credit, provide accurate information, and empower you to make informed financial decisions. Inside this community, we’ll discuss: - How credit works - Understanding credit reports and credit scores - Credit terminology - Common credit myths - Responsible credit use - Financial literacy topics Before we get started, we’d love to get to know you. Please introduce yourself by sharing: - Your first name - Where you’re from - What inspired you to join T360 Credit Academy - One credit topic or question you’d like to learn more about This is a respectful, judgment-free community where everyone is welcome to learn, ask questions, and grow. We’re glad you’re here!
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Credit Q&A
Hey ladies do you’ll have any questions?
Intro
Felicia I’m from Hopewell but live in Henrico. I am here to learn more and to close on a home next year
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Dropping Jewels today
💎 Credit Jewel #1 You don’t build good credit overnight—you build it through consistent financial habits. 💎 Credit Jewel #2 A higher income doesn’t automatically mean a higher credit score. Income and credit scores are measured differently. 💎 Credit Jewel #3 Your credit score is a snapshot in time. It can change as your credit information changes. 💎 Credit Jewel #4 Lenders may look at more than just your credit score. They can also consider your income, debt, and overall financial picture. 💎 Credit Jewel #5 Having credit available doesn’t mean you have to use all of it. Responsible use is what matters. 💎 Credit Jewel #6 Your credit report and your credit score are not the same thing. Your report contains your credit history, while your score is a number based on that information. 💎 Credit Jewel #7 Good credit can open doors, but strong financial habits help keep those doors open.
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T360 Credit Academy
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Learn the basics of credit, how scores work, and how to build healthy credit habits in a supportive, beginner-friendly community.