How we developed an app that helps users manage different kinds of credit & interpret credit report

Providing this educational tool to young students can help teach them responsible financial practices. The game is fun by itself, but it also helps students become familiar and comfortable with credit management, reporting and financial products. So when they reach the appropriate age to utilize credit, it will help them avoid predatory lending, make timely bill payments, maintain high credit scores, and more.

We wanted to change that for the app. In the game, the goal is to consecutively make timely bill payments on five credit types, with unique loan amounts, eliminate debt, maintain low APR and a high credit score while also having a fun and addictive time.

The gameplay itself is simple, yet hard to put down. But it also has a learning component. Students make inputs controlling when payments are made in the game, and they view how the payments impact the credit score displayed in a user interface. By doing this, students intuitively learn the various components of credit reporting, like how amounts and frequencies of different types of credits can affect a credit score.

By enabling powers in the game in connection with correctly answered questions, students may be incentivized to learn from the lessons and answer questions correctly.