Credit Education, Credit Reports and FICO Scoring
4.3 (16 ratings)
Course Ratings are calculated from individual students’ ratings and a variety of other signals, like age of rating and reliability, to ensure that they reflect course quality fairly and accurately.
66 students enrolled

Credit Education, Credit Reports and FICO Scoring

Learn How to Lower your bills and Raise Your FICO score
4.3 (16 ratings)
Course Ratings are calculated from individual students’ ratings and a variety of other signals, like age of rating and reliability, to ensure that they reflect course quality fairly and accurately.
66 students enrolled
Created by John Mackey
Last updated 3/2019
English
Current price: $34.99 Original price: $49.99 Discount: 30% off
5 hours left at this price!
30-Day Money-Back Guarantee
This course includes
  • 2 hours on-demand video
  • 8 downloadable resources
  • Full lifetime access
  • Access on mobile and TV
  • Certificate of Completion
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What you'll learn
  • How to reestablish credit after a bankruptcy. • Understanding your credit reports and how to maximize your credit score • Your rights and the laws that govern credit reports
Requirements
  • None. You need only to have the desire to save money, improve their credit score and get on the road to financial freedom by utilizing the credit system to your advantage. This course is designed to give you step-by-step guidance on how to set yourself up for success with clear examples and instruction.
Description

We live in a time in which credit scoring, specifically FICO scoring, means everything.

Your score determines when and if you can purchase a home, when and if you can obtain a credit card and at what interest rate, where you rent or where you live, how much your transportation will cost you, what type of employment you have and how much you pay for insurance.

It is virtually impossible not to have your credit score affect you. You would literally have to be living off the grid for credit scoring to not affect you. Not many people can live off the grid.

My point with this course is for everyone to be well informed about credit and credit scoring, especially the FICO method. As you will see, the truth will probably open most of your eyes.

Even if you have great credit and a great credit score, you will benefit, sometimes immensely. Just by applying some of my principles, you could see your credit score go up significantly.

Who this course is for:
  • Everyone! Why? Because very few of us really know the FICO scoring system and credit reports and how they relate to your every day life.
Course content
Expand all 82 lectures 01:54:41
+ The Fair Credit Reporting Act - How It Protects You
9 lectures 09:38
Credit score
01:05
Bad Data
01:03
out dated
01:03
Access
00:39
Pre-screened offers
00:36
Summary
01:48
+ Credit Scores
6 lectures 07:01
Credit scores – what is a credit score and how is it derived
01:22
Scores - You do not have one
01:19
Who Uses Credit Scores And Reports
01:04
Some Numbers
01:30
Many Scoring Models
01:06
Review
00:40
+ Building Blocks
8 lectures 15:35
Building Blocks
01:27
Hard Inquiries
02:16
Hard Inquiries viewed on Credit Report
02:02
Soft Inquiries
02:20
Soft inquiries on Credit Reports
04:24
Trade Lines
01:12
Public Records and Collections
00:50
Summary of Building Blocks
01:04
+ section 5 - The Pillars of Credit Scoring
7 lectures 05:40
The 5 Pillars of Your Credit Score
00:27
Amount Owed
00:40
Credit History
00:39
Payment History
00:59
Types of Credit
00:49
Last application for Credit
00:54
Summary of the Pillars
01:12
+ Building Credit
7 lectures 12:59
How To Build Credit
02:25
Things Happen
01:45
Installment Trade lines
03:40
Revolving Trade Lines
02:17
Credit Utilization
01:04
secured Credit Cards
01:06
Summary
00:42
+ Credit Reports - Where to get them, Brief bureau history, the FAKO socre
19 lectures 26:08
credit reports
03:37
The Credit Bureaus
00:27
Equifax
01:38
Experian
00:51
TransUnion
00:51
Credit Scoring and Items That Affect it
00:32
cont
00:37
300-850
00:44
Negative actions
00:40
Bad actions
00:40
Skipping a Payment
00:40
Debt Settlement
01:33
Credit Report Errors
01:58
FAKO
01:30
The Story of John Frenzer
03:56
Misleading FICO Scores
01:00
Mortgage Model Confusion
01:48
Who Cut the Cheese - Why the Credit Scoring System Stinks
02:18
Summary
00:48
+ Ways to Maximize Your Credit Score
7 lectures 05:58
Ways to Maximize your Credit Score
00:28
Ways to Maximize Your Credit Score
00:28
Pay Your Bills on Time
00:32
Lower Your Ratios
00:41
When to Pay a Credit Card Bill
01:40
Do Not Pay a Debt Collector
01:04
Summary
01:05
+ Credit Fake News
8 lectures 07:34
Fake News #1
01:05
Fake News #2
01:25
Fake News #3
00:40
Fake News #4
00:46
Fake News #5
00:47
Fake News #6
01:07
Fake News #7
00:41
Fake News #8
01:03
+ The Test
7 lectures 17:23
Credit Test introduction
01:02
Questions 1-5
03:04
Questions 6-10
02:10
Questions 11-15
03:35
Questions 16-20
02:48
Questions 21-25
02:23
Questions 26-29
02:21