In this episode, Kenny Johnson University breaks down how credit scores are calculated in clear, no-nonsense terms. We’ll walk through the five key factors that make up your credit score — from payment history and credit utilization to new credit inquiries — and show you what really matters when lenders look at your financial profile. Tune in to take control of your credit and your financial future.

Join us for an inspiring conversation about how Kenny Johnson University helps everyday people break down complex credit concepts into actionable insights. Learn how tailored consulting, education-first strategies, and ongoing support can turn financial uncertainty into confidence and real-world opportunity.