UFCU-ISSS Financial Wellness Lunch
Your credit score plays a critical role in your financial life in the United States. This interactive session will help demystify what a credit score is, how it’s calculated, and why it matters. Using relatable examples, we’ll explore how lenders assess risk, what goes into your credit report, and the steps you can take to build or improve your score over time.
Topics include
- What a credit score is and how it’s used by lenders
- The “Big 5” factors that impact your credit score (payment history, amounts owed, length of history, new credit, and credit mix)
- How your score affects the cost of borrowing
- Tips for establishing and maintaining good credit, including secured credit cards, becoming an authorized user, using co-signers, and checking your credit report
Why This Matters
A strong credit score can save you thousands of dollars over time, while a weak score can increase the cost of borrowing. Knowing how to manage your credit empowers you to make smart financial decisions and reach your goals faster.
Who Should Attend
- Anyone new to the United States who wants to understand how credit works here
- Anyone helping newcomers build a solid financial foundation
Presented in partnership between UFCU and Texas Global ISSS to promote financial wellness for international students and scholars. This seminar is part of ISSS’s Fall 2025 Wellness Fridays programming.
Light lunch and beverages provided. Registration required.