Quick answer:
Note: bleach isn’t a cure-all. On porous surfaces it doesn’t reach the roots, and it’s often unnecessary, thorough cleaning and removal of affected material matter more.
Mildew is surface-level and wipes away; mold penetrates and often has a musty smell and a fuzzy or slimy texture. If it keeps coming back or covers a large area, treat it as mold.

Make it safe
Handle immediate hazards first (electrical, structural, contamination).

Find the cause
Fix the source, not just the symptom, so the damage doesn't return.

Repair from the inside out
Structure and systems before surfaces.

Maintain
Protect the work you paid for.
How much mold can I remove myself?
Does painting over mold work?
Is black mold especially dangerous?
Will bleach kill mold?