Simulation

The Score | Simulation | CambridgeOCR Level 3 Award in Personal Finance

Last updated 14 Aug 2026

Try this mini personal finance simulation activity to help deliver the CambridgeOCR Level 3 Award in Personal Finance.

The Score is a free interactive simulation about something schools rarely teach: your credit score. Students take eighteen-year-old Theo through five years and around fifteen everyday decisions, a first credit card, the electoral roll, buy now pay later, a suspected fraud, and watch his score climb or slip with a clear explanation every time. At the end he applies for a mortgage and finds out what his score unlocks. Along the way it quietly busts the myths people get wrong, like the idea that checking your own score harms it.

Play The Score simulation here

Download the Teacher Guide to The Score here

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