
Discover how to build better credit by understanding the rules of the credit game, improve your credit scores, and make informed decisions for cards, auto loans, mortgages, and personal loans.
Explore how creditors evaluate you using the five c's—capital, capacity, collateral, conditions, and credit history—to assess repayment risk from assets, income, and credit reports and scores.
Learn how credit scores originate from your credit reports and vary across models like FICO and vantage score. Focus on improving your behavior to build and protect your credit history.
Surprising ways credit affects you beyond borrowing include employment checks, renting apartments, cell phone plans, utilities, and auto and home insurance, and how good credit lowers costs.
Good credit saves you money on mortgages, auto loans, and insurance by lowering interest and premiums, while enabling higher earnings and stronger financial stability.
Identify who maintains your credit reports, including Equifax, Experian, and TransUnion, how public records and creditor data feed these reports, and how various scoring models affect your credit scores.
Learn to obtain free credit reports from Experian, Equifax, and Trans Union using annual credit report dot com, with optional free scores from select sites, spaced every four months.
Dispute inaccurate credit data under the fair credit reporting act by checking all three bureaus and gathering documentation. Follow agency timelines to investigate, correct, and verify updates.
Identify ten types of information not appearing in credit reports that cannot affect your credit scores, such as demographic data, income, medical history, bank accounts, rent, utilities, and spouse information.
Learn how payment history, about 35% of your credit score, rewards timely payments and how to manage late payments by focusing on frequency, recency, and severity.
Learn how to use available credit to boost your credit scores by managing revolving and installment accounts, keeping utilization below 20 to 25 percent.
Keep credit cards open to maintain available credit and a low utilization ratio; canceling accounts can spike utilization and lower your credit score.
Discover how a secured credit card works and how responsible use—plus deposits and reported payments to major bureaus—build credit toward an unsecured card.
Build a longer credit history by keeping old accounts open and using revolving accounts responsibly to improve the oldest account age, the average age of accounts, and credit utilization.
Learn six practical strategies to build credit from scratch, including secured cards, authorized users, cosigners for cards and loans, and maintaining regular credit checks.
Discover five causes for credit score drops, including high credit utilization from large purchases, reduced credit limits, age of accounts, credit mix, and the importance of monitoring reports.
Unpack and debunk 12 credit myths, including how personal information, income, debit cards, joint accounts, and bill reporting actually influence credit scores and how to build better credit.
Understand how the statute of limitations governs when debt collectors can sue on old debt, how it starts or restarts, and how time barred debt and state variations influence outcomes.
Explore four options for old debts: settle for less, pay in full, make a partial payment, or pay nothing, and learn how each affects your credit and statute of limitations.
Learn your debt collection rights under federal law, including the Fair Debt Collection Practices Act, to stop harassment, dispute a debt in writing within 30 days, and keep records.
Maintain excellent credit for life by making on-time payments and low utilization. Responsible behavior can lift credit scores within 30 days to 6–12 months, fostering lasting financial health.
Do you want to have great credit, save a ton of money, and be empowered to live your financial dreams? Having flawless credit and hearing, "You're approved!" is in your reach ... if you understand how the credit game is played.
If late payments, collection accounts, charge-offs, bankruptcies, and judgments are holding you back from having great credit, this course will put you on the road to more success and less financial stress. You'll come away knowing how to improve your credit scores and pursue your financial dreams.
When you take control of your credit, you take control of your finances and will never feel money pressure again. Great credit has a ripple effect through your entire financial life that puts you on a path to success.
Build Better Credit gives you all the tools that professionals are using and charging thousands of dollars for. You'll learn what to do, when to do it, and how to do it so you repair your credit and get the financial life you deserve.
Imagine what you could accomplish if you could boost your credit and save money on debt, auto insurance, home insurance, renters insurance, cell phones, utilities, and more. Your financial life will improve by leaps and bounds.
It's time to cut expenses that cost much more when you have poor credit. To move your life forward, enroll now. The sooner you apply the course tactics and strategies, the sooner you'll have more money left over at the end of the month to finally get ahead and know you're on the right path.
Who This Course Is For:
Build Better Credit is for students of all ages and income levels who want to improve their financial life, reach goals, worry less, and have more freedom. You'll come away with step-by-step strategies to build and maintain great credit so you can:
Qualify for low-rate credit cards
Buy a home
Get a home equity loan
Rent an apartment
Cut your utility deposits and bills
Buy a car
Get a job
Qualify for a personal loan
Get lower auto insurance rates
Get lower home insurance rates
Save money on cell phone plans
Follow your dreams
This course is not right for you if you already have excellent credit or have advanced knowledge about how credit affects your entire financial life.
If you plan to use a loan to make a large purchase in the future, this course helps you understand how to prepare your credit and finances to get the best terms and lowest interest rate possible. The principles apply no matter where you live, how much you know about personal finances, or whether you’re just starting out.
If you wonder how the credit system really works, can't seem to improve your credit, feel stressed about debt, and want the exact steps to fix your credit on your own, that's exactly what you'll learn. Without great credit, you're settling for a sub-par financial life and simply not getting what you deserve.
This course gives you the tips, hacks, and systems to follow that make success and great credit inevitable. You'll get the exact instructions to implement that will improve your credit quickly.
This easy-to-follow, no-nonsense course teaches you how to build a credit score that gets you approved for low-interest credit cards, mortgages, car loans, personal loans, low-cost insurance, apartments, utilities, and even better jobs. The content is up-to-date with zero fluff to waste your time.
What You'll Learn in This Course:
Build Better Credit is a complete toolkit with everything you'll ever need for quick credit repair. It’s a shortcut that explains your options, reveals hidden pitfalls, and puts you in control of your finances.
In addition to more than 2.5 hours of in-depth video instruction modules, you'll get downloadable resources, tools, templates, worksheets, bonus audio--plus a Q&A discussion board to ask questions, share ideas, and receive support. You’ll have targeted assignments and reading to complete at your own pace, to keep you on track.
The information is presented in an easy-to-understand format so you understand your situation and have a clear roadmap to great credit. You’ll be notified when the course is updated or additional resources are added.
With this user-friendly and jargon-free course as your guide, you’ll get out from underneath the burden of bad credit or having no credit. Best of all, you can learn anywhere, any time, and at your own pace, with lifetime access to the content.
No matter if you're building credit from scratch, rebuilding credit after a financial hardship, or on a mission to raise your credit scores from good to great, this step-by-step repair guide will show you:
Best ways to deal with old debts
Factors used to calculate your credit scores
How creditors evaluate you for credit cards and loans
Surprising ways credit affects your finances even if you never borrow money
How much having good credit saves you over time
6 steps to review your credit reports with each nationwide credit bureau
TEMPLATE letter to dispute errors and get negative items corrected
Options for dealing with black marks in your credit reports
Types of data that doesn't affect your credit
How many credit cards you should have for optimal credit
Credit myths you should never believe
How to build credit the right way before buying a home
Why credit scores can drop unexpectedly and how to prevent it
Whether you should settle an old debt or pay it in full
How to use the statute of limitations to protect your finances
Tips to stay safe from "zombie" collectors when you're swimming in debt
Best ways to handle accidental late payments
And much more
Don't let a "thin" credit file or a financial setback keep you from living a better life. It's easy to win the credit game when you know what the insiders know.
This nuts-and-bolts course covers everything you need to know about credit repair and keeping excellent credit scores for life.
About Your Instructor:
Your instructor is Laura Adams, a nationally recognized personal finance expert and award-winning author of multiple books. She’s the host of the Money Girl Podcast, a top-rated weekly podcast with over 40 million downloads. Laura has helped millions of loyal students, readers, and listeners understand credit and improve their personal finances for over a decade.
Laura’s easy-to-follow advice will make a difference in your life. You'll come away with the knowledge, resources, and motivation to build excellent credit and keep it for life. It’s time to take control of your personal finances, feel more confident, and overcome any crisis that you may be facing.
We look forward to having you as part of this community!
What Students Say About Laura:
"So far this course has been easy to follow. I was able to learn a lot within the first 15 minutes." – LaTeanna R.
"Very informative for my own credit repair." – Andrea B.
"Six months ago, I took your advice and begin to pay off my credit card debt… Thanks for the advice, it feels great to pay off these debts. I am on track to be totally debt-free by June 2019!" – Danny G.
"Laura is a highly knowledgeable financial coach and her results are proven… she gave us motivation and a winning financial mindset. Within a year of working Laura’s plan, my wife and I were able to turn our finances around 360 degrees! We owe many thanks to Laura!" – Travis F.
"I'm a recovering over-spender who turned over a new leaf this year. I've already started making progress toward eliminating debt by implementing many of the tools and strategies you've shared." – Laura W.
"Thank you so much for all your fantastic advice. I love your Money Girl podcast and learn so much. You have helped me get out from the burden of student loan debt. I don't know what I would do without you!" – Harue S.
"Thank you for all you do. I enjoy listening to your podcasts and being a part of your Dominate Your Dollars Facebook group. You're truly an inspiration to students and your advice has been invaluable to me." – Janine F.