Abstract: A method for teaching how a borrower's FICO credit score may increase or decrease as one or more of the categories of information in a credit report is changed. The significance of modifying any one category by a borrower depends on other categories of information in the credit report that makes up the score, and a change in any one category has an effect on an increase or decrease of a credit score. The categories of information are bills; balances; debt; credit history; new credit accounts; credit file; unused credit cards; new credit cards; new accounts; and rate shopping.