Course curriculum

  • 1

    Module 1: Understanding Your Credit: What Your Credit Scores and Credit Report Can Tell You

    • Module Overview

    • Part 1: How Credit Scores are Figured

    • Part 2: Requesting your Credit Reports

    • Part 3: What to Look for in your Credit Reports

    • Part 4: Contacting and Staying in Contact with Credit Bureaus

    • Assignment

  • 2

    Module II: Effective Ways to Improve Your Credit Scores

    • Module Overview

    • Part 1: Strategy 1—Pay your Bills on Time

    • Part 2: Strategy 2—Avoid Excessive Credit

    • Part 3: Strategy 3—Pay Down Your Debts

    • Part 4: Strategy 4—Have a Range of Credit Types

    • Part 5: Applying Credit Score-Boosting Strategies

    • Assignment

    • Module II: Quiz

  • 3

    Module III: Keeping Your Credit Safe

    • Module Overview

    • Part 1: Avoiding Identity Theft

    • Part 2: Safe Practices

    • Part 3: Check Your Credit Score

    • Part 4: What to Do if You think you Are the Victim of Identity Theft

    • Assignment

    • Module III: Quiz

  • 4

    Module IV: Avoiding Common Credit Score Mistakes

    • Module Overview

    • Part 1: Don’t Keep Accounts You Aren’t Using

    • Part 2: Limit Inquiries on Your Credit Report

    • Part 3: Use Online Loan Comparisons Carefully

    • Part 4: Remember There’s More Than One Credit Report (and Credit Score)

    • Part 5: Don’t Close a Lot of Accounts Just to Improve Your Score

    • Part 6: No One Thing Will Boost Your Credit Score By Itself

    • Part 7: Having No Loans or Debts Will Not Improve your Credit Scores

    • Part 8: Doing Anything Illegal to Boost Your Credit Is, Well, Illegal

    • Assignment

  • 5

    Module V: Working with Your Credit Reports to Fix Credit Scores

    • Module Overview

    • Part 1: Fixing Errors on Your Credit Report

    • Part 2: Addressing Issues with Your Credit Report That You Can’t Resolve

    • Part 3: Keep Track of Who Sees Your Credit Report and Why (and What It Means)

    • Part 4: Contacting Creditors as Well as Credit Bureaus

    • Part 5: Be Careful Where and How You Get Your Credit Reports

    • Assignment

  • 6

    Module VI: Developing Good Habits

    • Module Overview

    • Part 1: Budgeting, Living Within Your Means, Spending Less

    • Part 2: Saving Habits

    • Part 3: Build Assets and Capital

    • Part 4: Be Ready for Financial Emergencies

    • Part 5: Get It In Writing, and Have Contracts Examined by a Lawyer

    • Assignment

  • 7

    Module VII: Developing a Credit Repair Plan

    • Module Overview

    • Part 1: Why You Need a Credit Repair Plan

    • Part 2: Stay Organized

    • Part 3: Set Goals and Check Your Progress

    • Part 4: Pay Attention to Details

    • Part 5: Have a To-Do List

    • Part 6: Automate

    • Assignment

    • Module VII: Quiz

  • 8

    Module VIII: What Lenders Look For

    • Module Overview

    • Part 1: Understand How Money Works

    • Part 2: What Lenders Look at Other Than a Credit Score

    • Part 3: Fix Mistakes Quickly

    • Part 4: Avoid Making Changes Frequently

    • Part 5: Stay Up to Date

    • Assignment

  • 9

    Module IX: Dealing with Debt Positively

    • Module Overview

    • Part 1: Effective Strategies for Dealing with Debt

    • Part 2: What to Avoid When Dealing with Debt

    • Assignment

    • Module IX Quiz

  • 10

    Module X: Mastering your Emotions

    • Module Overview

    • Part 1: Go Easy on Yourself, but Be Accountable

    • Part 2: Reward Yourself Responsibly

    • Part 3: Understand and Regulate the Relationship Between Emotions and Debt.

    • Part 4: Don’t Be Afraid to Ask for Help if You Need It

    • Assignment

    • Module X Quiz

  • 11

    XI. Closing

    • Wrapping up

    • Next Steps

  • 12

    Free Credit Repair Letters

    • Bankruptcy Regulation Inquiry

    • Bankruptcy Removal Letter

    • Hard Inquiry Removal Letter

    • Student Loans and Collections Removal Letter