In this lesson, you’ll discover the real difference between a credit report and a credit score—two terms that are often used together but mean very different things. Understanding how your credit report reflects your financial history and how your credit score is calculated will empower you to take control of your financial future. By the end of this video, you’ll know how to read your credit report, identify factors that affect your score, and use this knowledge to make smarter financial decisions. Remember, financial success starts with understanding your numbers—and this video will show you how to make them work for you!