Name: Jordan Wells-Kallsen
Specific Purpose: To explain why you should check your credit score regularly to the audience.
Central/Thesis Statement: It is important to check your credit score to help with your personal finances, to avoid identity theft, and to rebuild and maintain good credit. Introduction
I. Have you ever gone to buy a car, apply for a job, apply for a loan, or buy a house and they asked you about your credit score and you had no idea, you had an idea but did not think it was that important? Do you even know how it is calculated?
II. Your credit score is important for many reasons that can affect your life.
III. I chose this topic because in the last few years, my credit score has come into play on a lot of things.
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A Credit score is calculated by 35% history, 30% current debt, 15% length of history, 10% types, and 10% new.
Transition: We have talked about it helps with rebuilding your credit and to maintain now let’s consider; all three main points.
Conclusion
I. It is important to obtain your credit report so you can keep track of it to know if you have a good or bad score.
II. It helps with your personal finances because managing credit is important to being financially responsible and low interest rates. Indicating if you are a victim of identity theft by finding things you don’t recognize. It helps with rebuilding your credit and to maintain like reviewing your credit score once a month and making sure you have a good score for many reasons.
III. Checking one’s credit report is important because it can affect you in many ways. One may think they are doing fine by paying bills off in time but someone could be stealing their identity completely ruining your credit. You may think your credit score is not that important but then when you go to make a large purchase such as, a car or house, you may not hear something you like. Checking your credit score once a month is a good thing, and you can do so for free once a month at