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Financial Literacy Activities

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Reading about credit scores

By analyzing a text about credit scores, students learn about lending practices and how credit scores influence the ability to borrow money.


Borrow (Getting loans, Managing credit)


CTE (Career and technical education), English or language arts, Social studies or history

Grade Level

High school (9-10), High school (11-12)


45-60 minutes

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Big idea

A person’s credit score is a number that communicates their history of paying back loans or paying bills.

Essential questions

  • How are credit scores determined?
  • What results in high or low credit scores?


  • Understand what a credit score is and why it’s important
  • Recognize what factors are used to calculate credit scores

What students will do

  • Read and analyze a text about credit scores to understand how credit scores are calculated.
  • Discuss their text analysis with the class.
  • Identify three things a person can do that may result in a high credit score.

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Teacher guide


Student materials



Note: Please remember to consider your students’ accommodations and special needs to ensure that all students are able to participate in a meaningful way.

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