The Curriculum
What Every Child Should Know
What Credit Is and Why It Matters
Kids learn that credit is a financial reputation — and that building it early changes everything about their adult financial life.
How Scores Are Built and Broken
Simple, age-appropriate explanations of the five FICO factors — so your child understands what moves the number, not just what the number means.
Starting Early: Authorized Users and Secured Cards
Learn how to add a child as an authorized user to build their credit history before they ever apply for their own card.
Protecting Against Credit Fraud
Children are prime targets for identity theft. We teach families how to freeze a minor's credit and monitor for unauthorized accounts.
The Truth About Credit and Age
Credit History Length Is One of the Most Powerful Factors in a FICO Score
A child added as an authorized user at age 10 arrives at adulthood with 8+ years of credit history already working in their favor. That head start is worth hundreds of points — and hundreds of thousands of dollars in lifetime interest savings.