1. Login daily
  2. Pay bills on-time
  3. Adjust 401(k) contribution % and bank account type, as needed
  4. Read simulation communications via email, Dashboard Alert, and push notifications
  5. Maintain their CFS reconciled
  6. Take quizzes and surveys
  7. Review pay stubs and W-2
  8. Use the Student Quick Tips to help navigate the simulation and perform common tasks
  9. Use the Knowledge Base to answer questions about the game, scoring, website navigation, etc.


IMPORTANT: At the end of every class, please email me describing how far you got today and what you learned. This will be graded periodically. Use 3-5 sentences.

MODULE 4–Credit Scores

At the completion of this module you will be able to answer the following questions:

  1. What information goes into a credit score, and what information does not?
  2. Why would you want a good credit score? How are credit scores used?
  3. What can you do to help make your credit score strong?
  4. What can you do if you have a low credit score, to help increase it?

Module 4 Learning Objectives:

  1. Understand the basics of credit scores and their importance.
  2. Identify the financial habits associate with certain credit scores.
  3. Understand the basics behind credit score calculations.
  4. Examine how financial behaviors can impact a credit score.
  5. Understand how to request, read, and monitor your annual credit report.
  6. Select the appropriate steps to monitor your credit report and fix errors.
  7. Explain how credit score can have an impact on future financial decisions.


  1. Open the PERSONAL FINANCE Google Doc and answer the following questions (you will re-visit them at the conclusion of this unit):
    1. Assume a friend of a friend wants to borrow a moderate sum of money from you. List the information you would want to know about a potential borrower prior to lending them money.
    2. List the ways in which you may be earning credit right now.  Include any methods you think may be building your credit even if you are not totally sure. We can talk about this later. If you think you are not, record that as well.
    3. Discuss and list steps consumers can take to help establish credit for themselves. Be as specific as possible and include as many possibilities as you can think of.
    4. Choose the best methods, from your knowledge of credit thus far, to help establish a positive credit history. Explain why you made these choices.
    5. Explain why understanding credit and managing it responsibly may or may not be an important part of your future.
  2. Get into Everfi and begin Module 4.
  3. Open the PERSONAL FINANCE Google Doc and re-visit your responses to the questions before you completed Module 4. In addition to the 5 pre-questions, list the criteria creditors would want to know prior to lending money. Create a spectrum of the range of credit worthiness for each category. Use the following instructions to design your survey and rubric (use Google Forms!!!):
      1. You are an employee of a bank. You work in the lending department. Using your understanding of the criteria that lenders and credit agencies look for in issuing credit, create a credit survey and evaluation rubric to measure the creditworthiness of a potential borrower. In designing your rubric, keep the following in mind:
        1. Record the type of information you would want to know about the potential borrower.
        2. Write out a survey questions that you would want to ask them to learn more about them.
        3. Record a grade for each question (letter or number) based on their response.
        4. Based on a summation of all individual answers and scores, evaluate the creditworthiness of potential borrower as poor, below average, average, good, or very good.
  4. TEST: Review the pre-questions at the beginning of this unit. Re-answer each of the questions using red font AFTER your initial response (do not delete your initial answer) given the knowledge your gained during this lesson.


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