🥚 SCORE PET

Your credit score is ALIVE. Feed it on-time payments. Neglect it and it gets sick. Raise it from egg → dragon over 3 years.
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😐
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NO CREDIT HISTORY — an unhatched egg
📱 phone plan
~580🚗 decent car loan
~640🏠 apartment, no cosigner
~670💎 best rates
~740
🗓️ Age 18 · Month 1 💵 Cash $600 💳 Card balance —

💰 Payment history (35%)
📊 Credit utilization (30%)
⏳ History length (15%)
🆕 New credit (10%)
🎨 Credit mix (10%)