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: Jana has an excellent credit score of 800 . Because she is a low-risk borrower who pays her bills on time, the dealer approves her for a 36-month loan with a monthly payment of $453. Over the life of the loan, she will pay a total of $16,308.

This story follows two coworkers to illustrate why monitoring your credit score is essential for your financial health. A Tale of Two Credit Scores credit score free

: Bob has a poor credit score of 500 due to a history of late payments and a past default. While he is also approved for a 36-month loan, his monthly payment jumps to $584 because of a 21% interest rate. By the time he pays off the car, he will have spent $21,024—nearly $5,000 more than Jana for the exact same vehicle. How to Monitor Your Own Story : Jana has an excellent credit score of 800

Your credit score is a numerical representation of your creditworthiness, typically ranging from . You have the power to change your financial narrative by monitoring your reports and scores for free: Free Credit Reports - FTC Consumer Advice This story follows two coworkers to illustrate why