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Understanding and Managing Your Credit Report


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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:

 

  1. Understanding Credit
  2. Understanding a credit score
  3. Understanding how credit is affected
  4. Understanding Credit Cards
  5. Understanding Foreclosure
  6. Understanding Bankruptcy
  7. Understanding the Debt to Income Ratio
  8. Understanding the Debt Spiral
  9. Finding Debt Counseling
  10. Finding Debt Consolidation
  11. Learning to live within one's means
  12. Learning how to budget
  13. Knowing how to stay on track
  14. Understanding Credit Reports
  15. 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.

  • Completely Online
  • Self-Paced
  • Instructor Feedback
  • 6 Months to Complete
  • 24/7 Availability
  • Start Anytime
  • PC & Mac Compatible
  • Android & iOS Friendly
  • Accredited CEUs
Universal Class is an IACET Accredited Provider
 

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.
  • Know how people end up in a 'debt spiral'.
  • Know the pros and cons of debt counseling.
  • Know the pros and cons of debt consolidation.
  • Know methods to live within your means.
  • Create a budget.
  • Request your credit reports.
  • Know methods to correct errors on your credit reports, and
  • Demonstrate mastery of lesson content at levels of 70% or higher.
 
 
 

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Course Lessons

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Lesson 1: What Is Credit?

What Is Credit?
Forms of Credit
Credit Stats
33 Total Points
  • Lesson 1 Video
  • Review 2 Articles: About Credit; Know Your Credit
  • Complete Assignment: Lesson 1: Overview of Credit
  • Complete: Quiz for Lesson 1 : What Is Credit?

Lesson 2: What Is A Credit Score?

What Is A Credit Score? FICO Score How Is The Score Calculated? Range of Scores 35 Total Points
  • Lesson 2 Video
  • Review 3 Articles: Calculating Credit Scores; Credit Scores System; Credit Scoring
  • Complete Assignment: Lesson 2: Credit Scores
  • Complete: Quiz for Lesson 2 : What Is A Credit Score?

Lesson 3: How Is Your Credit Affected?

How Is Your Credit Affected? Paying Bills Applying For Credit Credit Cards Foreclosure Bankruptcy 33 Total Points
  • Lesson 3 Video
  • Review 3 Articles: Applying for Credit; Bankruptcy; Five Ways to Destroy Credit
  • Complete Assignment: Lesson 3: Factors Affecting Credit
  • Complete: Quiz for Lesson 3 : How Is Your Credit Affected?

Lesson 4: Credit Cards

Credit Cards How Many Cards? Minimum Payments Cash Advances 34 Total Points
  • Lesson 4 Video
  • Review 3 Articles: Cash Advance; Credit Card; Minimum Payments
  • Complete Assignment: Lesson 4: Credit Cards: an overview
  • Complete: Quiz for Lesson 4 : Credit Cards

Lesson 5: Foreclosure

Lesson 5: Foreclosure 35 Total Points
  • Lesson 5 Video
  • Review 2 Articles: Foreclosure; How Does Foreclosure Work?
  • Complete Assignment: Lesson 5: Dealing with Foreclosure
  • Complete: Quiz for Lesson 5 : Foreclosure

Lesson 6: Bankruptcy

Lesson 6:Bankruptcy
Bankruptcy and Credit Score
Bankruptcy Statistics
34 Total Points
  • Lesson 6 Video
  • Review Article: Declaring Bankruptcy
  • Complete Assignment: Lesson 6: Dealing with Bankruptcy
  • Complete: Quiz for Lesson 6 : Bankruptcy

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?
34 Total Points
  • Lesson 7 Video
  • Review 2 Articles: Calculating Debt-To-Income Ratio; Debt to Income Ratio
  • Complete Assignment: Lesson 7: Detailing Debt to Income Ratio
  • Complete: Quiz for Lesson 7 : Debt to Income Ratio

Lesson 8: The Debt Spiral

Lesson 8: The Debt Spiral
Getting Out of the Spiral
34 Total Points
  • Lesson 8 Video
  • Review 2 Articles: Dealing with Debt; Debt Spiral
  • Complete Assignment: Lesson 8: Getting out of Debt Spiral
  • Complete: Quiz for Lesson 8 : The Debt Spiral

Lesson 9: Debt Counseling

Lesson 9:Debt Counseling
A Brief History of Credit Counseling
A Good Choice?
Be Careful
35 Total Points
  • Lesson 9 Video
  • Review 3 Articles: Credit Counseling Scams; Debt Counseling; Debt Management
  • Complete Assignment: Lesson 9: Need for Debt Counseling
  • Complete: Quiz for Lesson 9 : Debt Counseling

Lesson 10: Debt Consolidation

Lesson 10: Debt Consolidation
When To Get It
Predatory Lending
Loans Versus Debt Consolidation
35 Total Points
  • Lesson 10 Video
  • Review 3 Articles: Debt Consolidation; What is Debt Consolidation ?; Debt Consolidation versus Loan
  • Complete Assignment: Lesson 10: Consolidating Your Debt
  • Complete: Quiz for Lesson 10 : 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
34 Total Points
  • Lesson 11 Video
  • Review 3 Articles: Credit Limit; Credit Limit and Interest Rate; Credit Risk Management
  • Complete Assignment: Lesson 11: Financial Planning
  • Complete: Quiz for Lesson 11 : Living In Your Means

Lesson 12: Budgeting

Lesson 12: Budgeting
Making a Budget
Things That Can Ruin a Good Budget
What About Slip-Ups?
35 Total Points
  • Lesson 12 Video
  • Review 3 Articles: Personal Budget; Personal Finance; Successful Budget
  • Complete Assignment: Lesson 12: Importance of Systematic Budgeting
  • Complete: Quiz for Lesson 12 : Budgeting

Lesson 13: Tips for Staying on Track

Lesson 13: Tips for Staying on Track
Can it Be Done?
34 Total Points
  • Lesson 13 Video
  • Review 2 Articles: Bad Credit Repair; Credit Cards to Build and Repair Bad Credit
  • Complete Assignment: Lesson 13: Staying On Track
  • Complete: Quiz for Lesson 13 : Tips For Staying On Track

Lesson 14 : Credit Reports

Lesson 14: Credit Reports
How Often to Check?
Who Provides Them?
How Many Use Credit Reports?
Advantages of Credit Reports
34 Total Points
  • Lesson 14 Video
  • Review Article: Credit history
  • Complete Assignment: Lesson 14: Advantage of Credit Reports
  • Complete: Quiz for Lesson 14 : 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?
98 Total Points
  • Lesson 15 Video
  • Review 3 Articles: Dispute Credit Report Errors; Fix a Credit Report Error; Fix Credit Report Errors
  • Take Poll: Let us know what you think of this course
  • Take Survey: Program Evaluation Follow-up Survey (End of Course)
  • Complete Assignment: Lesson 15: Looking out for Credit Errors
  • Complete: Quiz for Lesson 15 : Credit Errors
  • Complete: The Final Exam
577
Total Course Points

Additional Course Information

Online CEU Certificate
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Document Your CEUs on Your Resume
 
Course Title: Understanding and Managing Your Credit Report
Course Number: 8900102
Languages: English - United States, Canada and other English speaking countries
Course Type: How To
CEU Value: 0.6 IACET CEUs (Continuing Education Units)
CE Accreditation: Universal Class, Inc. has been accredited as an Authorized Provider by the International Association for Continuing Education and Training (IACET).
Grading Policy: Earn a final grade of 70% or higher to receive an online/downloadable CEU Certification documenting CEUs earned.
Assessment Method: Lesson assignments and review exams
Instructor: John Chouinard
Syllabus: View Syllabus
Duration: Continuous: Enroll anytime!
Course Fee: $50.00 (no CEU Certification) || with CEU Certification: $75.00

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Student Testimonials

  • "My instructor was the greatest. He always got back with me in a timely matter and gave me excellent answers. I hope I get his for all my others classes that I will be taking with Universal Class." -- Glenda W.
  • "The court was perfect. HE'S a Great instructor." -- Janet D.
  • "Every part of the course was helpful to me. I used to deal with credit repair years ago so this was like a refresher course.It was a very helpful experience." -- Hector R.
  • "Great subject! Great instructor! I love Universal Class!" -- Carmen R.
  • "This class teaches more than Managing Credit. It deals with debt, debt to equity, debt to income ratios, budgeting, and more. I would recommend it to a lot of young people who are starting out before they become innudated with debt." -- DrEarl W.
  • "the instructor is very diligent. Always communicated the results in a timely fashion." -- Nestor M.
  • "Very helpful information about repairing credit. I enjoyed taking this course." -- Marie C.

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