Credit can feel complicated — but it doesn’t have to be. In this Teacher Money Show “Lunch & Learn” episode, Marc Jenkins (a veteran teacher) and I break down what credit really is, why it matters for teachers, and how to build and protect it for the long term.Your credit score is more than just a number — it’s your financial reputation. Whether you’re applying for a mortgage, refinancing student loans, or opening a new credit card, good credit means lower rates and more opportunities. We also explain the difference between your credit score and your credit report, how to monitor both, and what habits will keep your score healthy for years to come.Here are some highlights:-What credit is and why it’s essential for your financial future-The difference between credit reports and credit scores (and why both matter)-Smart ways to build and maintain excellent credit as a teacher-How to use Credit Karma and free credit reports to track your progress-Why freezing your credit is one of the best ways to protect yourself from identity theftIf you’ve ever felt unsure about how credit works — or how to use it without getting trapped by it — this episode will give you the knowledge and tools you need to confidently take control of your financial reputation.👉 Subscribe for more teacher-focused personal finance lessons!Explore the show notes:https://www.teachermoneyshow.com/show96Become a guest on the show:https://www.teachermoneyshow.com/guestFinancial resources for teachers:https://www.teachermoneyshow.com/recommendationsEmail Shaun: shaun@teachermoneyshow.comBring Shaun to your school to teach financial literacy:https://www.shaunkmorgan.com#TeacherMoneyShow #CreditScore #TeacherFinance #FinancialLiteracy #CreditReport #PersonalFinanceForTeachers #MoneyTipsForTeachers #FinancialFreedom