11. Credit Scores

A clear, practical session explaining what credit scores are, how they are built, and why they matter in everyday life. The session breaks down how credit impacts access to borrowing, housing, and financial products.

Attendees learn how everyday behaviour can strengthen or damage their credit profile over time.

Great for people who are thinking about borrowing, applying for a mortgage or car finance, or want to avoid problems with credit in the future.

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Knowing

• What a credit score is and how it is calculated.

• Common actions that positively or negatively affect credit.

Being able to do

• Check and understand their own credit report.

• Take steps to improve or protect their credit score.

Feeling

• More informed and proactive.

• Confident navigating future credit decisions.