JENNA DEBTFREE is also a college junior. She has always been very cautious with money and thinks her friends with credit cards are crazy. She pays only with cash and debit cards, and while she knows she can handle credit cards given her frugal ways, she doesn't want to ask her parents to sign off on a credit card for her, as she doesn't turn 21 for a few more months.

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She currently has no credit cards She has no loans outstanding

What is Jenna's estimated credit score?

What does Jenna's score say about her creditworthiness?

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As her credit counselor, what recommendations would you make to Jenna to improve her credit score?