Mom's Choice GOLD Award Winner You Have This Credit Thing Credit scores impact every financial decision. It's important that teens understand early the positive and negative impacts regarding credit scores and the credit process. Credit Lit delivers an inspiring and informative resource in an easily digestible, creative format for teens. Its presentation encourages teens to make strong financial decisions when applying and repaying creditors now and into their adult years. By learning early, it helps them avoid some pitfalls that many adults experience. Credit-Litologist, Dionne Perry, a board-certified Credit Consultant, delivers the goods on credit, giving young people exactly what they need to make it in this economy.