
Discover strategies for personal credit repair and funding, including credit monitoring, 40 report versions, FICO 9 and 8, and IdentityIQ and MyFICO for full scores.
Learn step-by-step credit repair techniques: monitor scores, protect identity, update bureaus, freeze secondary agencies, dispute items under FCRA, file complaints with CFPB and BBB, repeat every 30–45 days.
Learn how to optimize credit by managing open accounts, removing delinquent accounts and collections, and disputing inaccuracies such as date opened and the account number to improve auto loan eligibility.
Learn to read a credit report and craft 609 and method-of-verification letters to dispute unverifiable or inaccurate items, demanding reinvestigation within 30 days.
Learn how to verify disputes with documentation under the FCRA, demand complete investigation and 100% accuracy, and use trade lines and utilization to prepare for funding.
Learn to build a fundable credit report by optimizing credit usage, on-time payments, and zero derogatories, with a mix of revolving and installment accounts and a Navy Federal pledge loan.
Build funding with pledge loans at Navy Federal and Andrews Federal credit unions, then pursue bigger loans. Grow a credit report with revolving and installment lines, upgrading via secured cards.
Upgrade to unsecured credit and strengthen your profile with a primary auto loan or swap a lease. Leverage Self Lender and Credit Strong secured loans for growth.
Explore credit-building strategies that avoid credit checks, including no-credit-check cards like the Aritomo card and extra credit, a seed five autosave line of credit, and rent reporters.
Explore credit repair and basic building strategies, including reporting rental history with rent reporters, securing loans with Navy Federal and other credit unions, and minimizing inquiries for funding.
Learn to analyze credit reports with Identity IQ, spot inaccuracies across TransUnion, Experian, and Equifax, and dispute them to ensure 100% accuracy and funding readiness.
Access this bonus session for one-on-one credit guidance and learn that information changes situations; connect via the resource section, Miss WAM, or Becky at higher credit score.org.
The course will begin with a review of basic credit concepts. Participants will learn how to read and analyze their credit report, recognize how different types of accounts and transactions can affect their score, and understand the role of credit scores in different financial decisions. Participants will then explore the various strategies used to repair credit, such as dispute letters and the use of credit monitoring services. They will learn how to identify and address errors on credit reports, create strategies to improve their credit score, and utilize resources to stay on top of credit repair efforts. After gaining an understanding of the fundamentals of credit repair, participants will explore the legal implications of credit repair. They will learn about their rights under the Fair Credit Reporting Act, the regulations in place that protect consumers, and the repercussions of engaging in illegal credit repair methods. By the end of the course, participants will have a comprehensive understanding of the credit repair process. They will have the tools and strategies needed to evaluate their credit, create strategies for improving their credit score, and understand their legal rights as a consumer. In addition, the course will provide resources for furthering their credit repair efforts, such as credit counseling services and access to financial education courses.