David Simmons is a waiter at a struggling Italian restaurant located down the block from where he lives. Money is tight for him right now, as his limited income means he lives paycheck to paycheck. However, David knows things will look up for him soon because he was recently offered a job as a bank teller across town—his first desk job. This case helps students learn about building credit. The case addresses what a FICO score is, who computes it, how it is determined, and what it is used for.