Content Partner

Grade 9-12

Analyzing a Credit Report and Score

Time: 40 mins,
Updated: October 20 2020,
Author: Intuit Education


Students will be able to:

  • Summarize the information used to calculate a credit score.
  • Explain the factors that improve a credit score.

In this personal Finance Activity students will use Mint, a real-world personal finance app, to follow Isaiah throughout the year and learn about credit reports and scores.

FFFL Connection

Analyzing a Credit Report and Score has been created as a real-world, hands-on technology simulation to accompany FFFL 9-12, 3rd Edition lesson 13 called Credit Reports and Scores. If you have not taught this lesson plan, we recommend students are proficient in the credit concepts.


For students to be able to access Mint successfully, they must use the same computer or device every time they access Mint. Otherwise, they will be forced to re-create a new account. Paid advertisements appear in Intuit Mint. The Council for Economic Education does not endorse or evaluate the advertised product, service, or company, nor any of the claims made by the advertisement.


Prior to introducing students to Mint, we recommend teachers read through the Curriculum Overview (Section 1) to get acquainted with each activity and complete the Curriculum Orientation (section 2) before having your students complete Curriculum Orientation and the Intro Activity. This simulation is a hand-on activity that lets students shop for a credit card online, evaluating various offers. Before starting the Mint activity, students should know the following:

  • The definition and concept of credit.
  • Companies (such as Trans Union) monitor consumers’ credit and keep a permanent file.
  • That creditors analyze credit worthiness before lending money.

Students will do the following in this activity:

  1. Go to Mint or
  2. Log on using directions to access Mint as the fictional user Scott.

Upon logging into Mint:

  1. Direct students from the Dashboard to the Ways to Save tab.
    • A credit card icon and menu appear by default. Students need to access this section.
    • To complete some questions, students will be asked to select a credit card offer.
    • Doing so will direct the students out of Mint to the credit card’s website.



Personal Finance