Course Syllabus: Understanding and Managing Your Personal Credit
with CEU Certificate*
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.
This course will not require you to have previous experience in any particular area but you should have a high school reading level. No books will be required.
Lesson One: What Is Credit?
- Forms of Credit
- Credit Stats
Lesson Two: What Is A Credit Score?
- FICO Score
- How Is The Score Calculated?
- Range of Scores
Lesson Three: How Is Your Credit Affected?
- Paying Bills
- Applying For Credit
- Credit Cards
Lesson Four: Credit Cards
- How Many Cards?
- Minimum Payments
- Cash Advances
Lesson Five: Foreclosure
Lesson Six: Bankruptcy
- Bankruptcy And Credit Score
- Bankruptcy Statistics
Lesson Seven: Debt to Income Ratio
- Why Does It Matter?
- How Do You Lower It?
- What Is The Best Ratio
- What Is The Worst Ratio
Lesson Eight: The Debt Spiral
Getting Out Of The Spiral
Lesson Nine: Debt Counseling
- A Brief History of Credit Counseling
- A Good Choice?
- Be Careful
Lesson Ten: Debt Consolidation
- When To Get It?
- Predatory Lending
- Loans Versus Debt Consolidation
Lesson Eleven: 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 Twelve: Budgeting
- Making A Budget
- Things That Can Ruin A Good Budget
- What About Slip Ups?
Lesson Thirteen: Tips For Staying On Track
Can It Be Done?
Lesson Fourteen: Credit Reports
- How Often To Check?
- Who Provides Them?
- How Many Use Credit Reports?
- Advantages Of Credit Reports
Lesson Fifteen: Credit Errors
- How To Prevent It
- Fix The Errors
- Keeping Detailed Records
- How Much Can It Damage?
|Quiz for Lesson 1 : What Is Credit?||8|
|Lesson 2: Credit Scores||25|
|Quiz for Lesson 2 : What Is A Credit Score?||10|
|Lesson 3: Factors Affecting Credit||25|
|Quiz for Lesson 3 : How Is Your Credit Affected?||8|
|Lesson 4: Credit Cards: an overview||25|
|Quiz for Lesson 4 : Credit Cards||9|
|Lesson 5: Dealing with Foreclosure||25|
|Quiz for Lesson 5 : Foreclosure||10|
|Lesson 6: Dealing with Bankruptcy||25|
|Quiz for Lesson 6 : Bankruptcy||9|
|Lesson 7: Detailing Debt to Income Ratio||25|
|Quiz for Lesson 7 : Debt to Income Ratio||9|
|Lesson 8: Getting out of Debt Spiral||25|
|Quiz for Lesson 8 : The Debt Spiral||9|
|Lesson 9: Need for Debt Counseling||25|
|Quiz for Lesson 9 : Debt Counseling||10|
|Lesson 10: Consolidating Your Debt||25|
|Quiz for Lesson 10 : Debt Consolidation||10|
|Lesson 11: Financial Planning||25|
|Quiz for Lesson 11 : Living In Your Means||9|
|Lesson 12: Importance of Systematic Budgeting||25|
|Quiz for Lesson 12 : Budgeting||10|
|Lesson 13: Staying On Track||25|
|Quiz for Lesson 13 : Tips For Staying On Track||9|
|Lesson 14: Advantage of Credit Reports||25|
|Quiz for Lesson 14 : Credit Reports||9|
|Lesson 15: Looking out for Credit Errors||25|
|Quiz for Lesson 15 : Credit Errors||9|
|The Final Exam||64|
- Understanding Credit Management: Budgeting
- How to Calculate Your Debt-to-Income Ratio
- Declaring Bankruptcy
- All About Credit
- How to Consolidate Your Debt
- How to Write an Effective and Persuasive Speech
- The 3 Basic Listening Models and How to Effectively Use Them
- Basic Fundamentals and Principles Of Community Development
- How and When to Use Visual Aids to Make an Effective Presentation
- How to Handle Contacts in Outreach Marketing
- Power And Politics Within a Business Organizational
- Communication Studies: Interpersonal Perception
- Exploring Strategic Factors of Community Development
- An Introduction to Listening Skills
- Software Used for Payroll Management