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Course Description
Credit governs everyone's lives. It is what allows people to buy a house, get a car, have a credit card and generally live a life they cannot really afford. Sadly, many people get into a debt spiral that soon goes out of control. They have trouble keeping their head above water, and soon they fall under as the weight of debt drags them down.
Thankfully, credit can be managed and all it takes is having the ability to change how one lives their life. By implementing the lessons explained in this course, an individual will be able to take their credit and repair it.
This is not to say that it will be easy. If anything, it will be very difficult to do. They will be struggling to keep their head above water, but as they persevere, they will be able to slowly fix their credit and get credit relief.
The statistics are staggering with how many people suffer from credit problems. Millions, with that number growing because of the economy, are actually using credit to keep their heads above water. This is a losing strategy that only results in them losing nearly everything they have as the water quickly pulls them under and the debt rock shows no signs of letting go.
There are many ways that a person can get rid of debt, and they are covered in this course. These include:
Understanding Credit
Understanding a credit score
Understanding how credit is affected
Understanding Credit Cards
Understanding Foreclosure
Understanding Bankruptcy
Understanding the Debt to Income Ratio
Understanding the Debt Spiral
Finding Debt Counseling
Finding Debt Consolidation
Learning to live within one's means
Learning how to budget
Knowing how to stay on track
Understanding Credit Reports
Fixing Credit Errors
These must be done right, and cannot be rushed. To get out of debt and realize credit relief, one has to work hard to do so. This course will explain how to repair credit using the tips that have helped millions of other people raise their credit score hundreds of points through know-how and determination.
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Learning Outcomes
By successfully completing this course, students will be able to:
Define what credit is.
Describe what a credit score is.
Describe what affects your credit score.
Define what a credit card is how that affects your credit score.
Describe the foreclosure process and what it does to your credit report.
Describe the bankruptcy process and how that affects your credit report.
Define the Debt to Income Ratio.
Summarize how people end up in a 'debt spiral'.
Summarize the pros and cons of debt counseling.
Summarize the pros and cons of debt consolidation.
Summarize methods to live within your means.
Create a budget.
Request your credit reports.
Summarize methods to correct errors on your credit reports, and
Demonstrate mastery of lesson content at levels of 70% or higher.
Course Lessons
Lesson 1: What Is Credit?
What Is Credit? Forms of Credit Credit Stats
Lesson 2: What Is A Credit Score?
What Is A Credit Score?
FICO Score
How Is The Score Calculated?
Range of Scores
Lesson 3: How Is Your Credit Affected?
How Is Your Credit Affected?
Paying Bills
Applying For Credit
Credit Cards
Foreclosure
Bankruptcy
Lesson 4: Credit Cards
Credit Cards
How Many Cards?
Minimum Payments
Cash Advances
Lesson 5: Foreclosure
Lesson 5: Foreclosure
Lesson 6: Bankruptcy
Lesson 6:Bankruptcy Bankruptcy and Credit Score Bankruptcy Statistics
Lesson 7: Debt-to-Income Ratio
Lesson 7: Debt-to-Income Ratio Why Does It Matter? How Do You Lower It? What Is The Best Ratio? What Is The Worst Ratio?
Lesson 8: The Debt Spiral
Lesson 8: The Debt Spiral Getting Out of the Spiral
Lesson 9: Debt Counseling
Lesson 9:Debt Counseling A Brief History of Credit Counseling A Good Choice? Be Careful
Lesson 10: Debt Consolidation
Lesson 10: Debt Consolidation When To Get It Predatory Lending Loans Versus Debt Consolidation
Lesson 11: Living in Your Means
Lesson 11: Living In Your Means Credit Is Not Cash Limiting Purchases Planning Ahead Sell What Is Not Needed Think About Purchases Go for Lower Interest Rates
Lesson 12: Budgeting
Lesson 12: Budgeting Making a Budget Things That Can Ruin a Good Budget What About Slip-Ups?
Lesson 13: Tips for Staying on Track
Lesson 13: Tips for Staying on Track Can it Be Done?
Lesson 14 : Credit Reports
Lesson 14: Credit Reports How Often to Check? Who Provides Them? How Many Use Credit Reports?
Advantages of Credit Reports
Lesson 15: Credit Errors
Lesson Fifteen: Credit Errors How to Prevent Them Fix the Errors Keeping Detailed Records How Much Can It Damage?
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