How Credit Affects College, Cars, and Future Opportunities

Credit Scores Explained for Teens & Parents | FICO vs VantageScore + Your Legal Rights

Understanding credit early can change everything — from college options to car loans to future business opportunities.

In this video, we break down how credit scores actually work, including the difference between FICO and VantageScore, what the numbers really mean, and how everyday actions impact your credit profile over time. This lesson is designed for teens, parents, and families who want clear, honest education without confusion or scare tactics.

We also explain consumer rights under federal law, including what credit bureaus and debt collectors are legally required to do — and what happens when they don’t.

This is part of The Streets to Entrepreneurs series, focused on financial literacy, credit education, and building real-world knowledge that schools don’t teach.

Learn more and explore our AI-powered consumer education tools here:
👉 https://consumerai.info

Need personalized credit guidance or consulting support:
👉 https://cal.com/bookme-daniel/ai-consultation-smb

Support our education work and access resources:
👉 https://buymeacoffee.com/coinvest

Follow all platforms and updates here:
👉 https://linktr.ee/omniai

Who this video is for:
– Teens learning credit for the first time
– Parents teaching financial responsibility
– Anyone rebuilding or protecting their credit
– Future entrepreneurs and business owners

Disclaimer:
This content is for educational purposes only and does not constitute legal advice.