In this NGPF Speaker Series episode, Tim interviews Keon Haley of FICO to unpack how credit scores work and how to teach them effectively. Keon shares his personal journey from limited financial conversations at home to discovering financial education's impact while working at a college Small Business Development Center, a passion that now drives his work at FICO's consumer credit education initiatives. They explore the 5 components of a FICO Score: payment history, credit utilization, length of credit history, new credit, and credit mix. Keon dispels myths about checking credit, joint scores, and rate shopping. They also discuss how credit reports influence more than borrowing, affecting rentals, insurance, and jobs. The episode concludes with audience Q&A on topics like buy now, pay later reporting, aging mortgages, and medical debt, with Keon highlighting FICO's free Score A Better Future tools and classroom-ready resources.