Virginia Credit Union

Credit 101(Lunch Provided by Bobby Hot and Cheesy)

Building credit can feel confusing—but it doesn’t have to be. This interactive workshop is designed to help college students understand what a credit score is, why it matters, and how everyday financial choices impact their future. Participants will learn how credit scores are calculated, common credit myths to avoid, and smart strategies for building and maintaining good credit while in school. Whether you’re opening your first credit card or preparing for life after graduation, this session will provide practical tools to help you use credit responsibly and confidently.

Topics Covered Include:

• What a credit score is and why it’s important
• How credit scores are calculated
• Credit cards, loans, and credit reports explained
• Common mistakes that can hurt your credit
• Tips for building and maintaining healthy credit as a student