
Explore the basics of credit and the credit score, including payment history, types of credit, length of history, and inquiries, plus debt to income and paying balances in full.
Learn the basics of credit repair by exploring secondary credit reporting agencies, the CFPB, and the big three (Experian, TransUnion, Equifax), plus how to obtain your annual credit report.
Identify which agencies and bureaus—TransUnion, Equifax, Experian—hold your information, and learn why freezing these records matters and how to freeze TeleTrack and other sources to support disputes.
Freeze your credit reports with CoreLogic, LexisNexis, and Sage Stream, then use IdentityIQ for alerts and monthly reports to monitor and dispute.
Freeze secondary credit agencies and update your personal information to keep your profile accurate. Use credit monitoring, like Identity IQ, to track progress and learn dispute steps to remove inaccuracies.
Learn personal credit repair and funding basics with expert guidance from Ms. Wham, including understanding FICO eight and nine versions, IdentityIQ monitoring, and building accounts for bigger financing.
Learn to monitor FICO and vantage scores, protect identity, update personal information with bureaus, freeze agencies, dispute items under FCRA, and file complaints with CFPB, BBB, and state attorney general.
Identify and dispute inaccuracies on credit reports, including delinquent accounts, collections, and erroneous hard inquiries, and learn strategies to avoid shotgun inquiries during auto loan shopping.
Learn to read a credit report and craft method of verification and 609 letters to request removal of unverifiable, inaccurate items, following 15 usc code 1681 and a 30-day investigation.
Learn to dispute inaccuracies under the FCRA, demanding verification or removal. Build funding readiness by understanding utilization and trade lines, including 10–12 positive accounts.
Learn how information changes situations in credit repair, and discover options for one-on-one help with resources and contact details provided in the course.
This beginner’s credit course is designed to provide an introduction to the basics of credit and credit management. The course will cover topics such as understanding credit scores, the differences between secured and unsecured loans, the importance of tracking credit utilization, and the process of applying for a loan. Students will learn how to build and maintain a good credit rating, how to use credit responsibly, the importance of budgeting and financial planning, and how to protect their credit from identity theft. At the end of the course, students will have a better understanding of the credit system, how to use credit wisely, and how to make informed decisions when it comes to credit. They will also learn about the different types of loans, the interest rates, and the repayment terms associated with each type. Additionally, students will learn how to identify and avoid common pitfalls when applying for credit, such as applying for too much credit or taking out loans they cannot afford. Overall, this course is designed to provide students with the knowledge and skills necessary to make informed decisions regarding credit and credit management. By the end of the course, students should have a better understanding of the basics of credit and how to use credit responsibly. This course is perfect for those who are new to the credit world and want to learn the basics in a short amount of time.