Tim Cerebe is back for this episode. Tim is a financial educator for Freedom First Credit Union. Today we are discussing credit scores. Credit scores play a big role in your young adult life. They can affect your ability to get a loan, an apartment, or even a job. Other websites noted: Once a year you can access your full credit report at https://www.annualcreditreport.com. You can also check one version of your numerical credit score using https://www.creditkarma.com.