Your score is a mystery number
It goes up and down and you cannot say why.
Courses
See what you would learn
Know what a credit score is and what actually moves it.
A course on credit scores for people who guess. It covers what a score measures, how lenders read it, the behaviours that move it, and the myths that lead people to make expensive decisions.
Open Cadence on the App Store, type the sentence when it asks what you want to learn, and answer a few setup questions. Free to start. Android testers can request early access.
Type this when Cadence asks what you want to learn
I want to understand what a credit score is, what moves it, and how lenders read it, so I stop guessing about decisions that affect it.
Change any word so it fits your situation. The course is built from what you type and a few setup questions.
- Best for
- Personal finance
- Prerequisites
- None. Bring the situation you have.
- Course length
- 7 to 30 lessons, sized to your goal
- Lesson pace
- About 10 minutes a day
- Format
- Read it, or play the audio
- Access
- Available on the App Store, with early features and Android testing access
Before the course is built
Setup asks about your situation first.
Lesson 1 opens on the moment you describe, and the examples use your role. For this request, expect questions like these.
- Do you know your current score, and how it was calculated?
- Are you trying to improve it for something specific, or understand it generally?
- Which country's system applies to you?
Right for now
If any of this sounds familiar, start here.
You are about to apply for something big
And want the score to be right first.
You have heard rules that contradict each other
Close the card, keep the card, carry a balance, never carry a balance.
Course arc
Where the course goes, in order.
Cadence writes the lessons for you, so the exact path follows your answers. This is the ground a course built from this sentence covers.
01 / 06What a credit score is
A prediction of repayment, and who makes it.
The factors
Payment history, utilisation, age, mix and enquiries, in plain terms.
What lenders see
How a score is used alongside income and history.
Myths
Carrying a balance, closing old cards and checking your own score.
Improving it
The behaviours that actually help, and how long they take.
Borrowing power
How score, income and debt combine when you apply.
What changes
What you will be able to do, and what you will stop believing.
You will be able to
Understand what is measured
Know the factors and roughly how they weigh.
Know what moves it
Separate behaviours that matter from myths.
Use credit deliberately
Make borrowing decisions with the score's logic in mind.
Ideas this course corrects
You need to carry a balance to build credit
You need to use credit and pay it off. Interest is not required and helps nothing.
Checking your score lowers it
Checking your own score does not. Applications for credit can.
Course questions
What to know before you start.
Is this a fixed course?
No. Cadence builds the course when you type the sentence and answer a few setup questions, so the lessons follow your situation. This page describes what a course built from this request covers. You see the whole path before Lesson 1.
Who is this course for?
A course on credit scores for people who guess. It covers what a score measures, how lenders read it, the behaviours that move it, and the myths that lead people to make expensive decisions. It sits under Personal finance in the Life & growth part of the library.
Do I need any prior experience?
No. Setup asks what you already know and where you want to use it, and the course starts from there. Bring a real situation if you have one; the examples are built around it.
How long does it take?
Courses run 7 to 30 lessons of about 10 minutes, sized to what you asked for. One lesson a day is the intended pace, and you can go faster. Lessons can be read or played as audio.
Does this course award a certificate or degree?
No. Cadence is for practical self-learning and does not award accredited degrees or professional certification.
Start today
Type it, answer a few questions, open Lesson 1.
The sentence to type
I want to understand what a credit score is, what moves it, and how lenders read it, so I stop guessing about decisions that affect it.
Open Cadence on the App Store, type the sentence when it asks what you want to learn, and answer a few setup questions. Free to start. Android testers can request early access.