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Jana and Bob work the same job and earn the same salary. One afternoon, they both head to a local dealership to buy the same $13,750 hatchback.

Your credit score is a numerical representation of your creditworthiness, typically ranging from . You have the power to change your financial narrative by monitoring your reports and scores for free: Free Credit Reports - FTC Consumer Advice credit score free

: Bob has a poor credit score of 500 due to a history of late payments and a past default. While he is also approved for a 36-month loan, his monthly payment jumps to $584 because of a 21% interest rate. By the time he pays off the car, he will have spent $21,024—nearly $5,000 more than Jana for the exact same vehicle. How to Monitor Your Own Story Jana and Bob work the same job and earn the same salary

This story follows two coworkers to illustrate why monitoring your credit score is essential for your financial health. A Tale of Two Credit Scores You have the power to change your financial

: Jana has an excellent credit score of 800 . Because she is a low-risk borrower who pays her bills on time, the dealer approves her for a 36-month loan with a monthly payment of $453. Over the life of the loan, she will pay a total of $16,308.