In this episode of the Mochi Panda Club podcast, we'll dive into the world of credit and financial health. We start by defining what a credit score is and explain how it is calculated, including the different credit scoring models and their criteria. We then move on to discuss credit reports, explaining what they are, how they are compiled, and why they are important. Finally, we provide some tips and strategies for improving your credit score and credit report, such as paying your bills on time, keeping your credit utilization low, and disputing any errors or inaccuracies on your credit report. By the end of this episode, you will have a better understanding of your credit score and credit report, and be equipped with the knowledge to take control of your credit and improve your financial health.