Universal Class: Over 500 Online Certificate Courses
 

Understanding and Managing Your Personal Credit


$50.00
no certificate
- OR -
$75.00
with CEU Certificate*
Start Right Now!
Taking multiple courses? Save with our platinum program.
 
  • 15
    Lessons
  • 31
    Exams &
    Assignments
  • 5
    Hours
    average time
  • 0.5
    CEUs
 
 
 
 
 

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.

Show More
  • 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
 

Related Courses

  • How to Decorate a Room
    How to Decorate a Room
    From the basics to specific styles, How to Decorate a Room covers a full spectrum of decorating fundamentals and practical advice. Design basics like choosing color palettes, dealing with lighting options, and determining a floor plan are made easie...
    $75.00
    0.9 CEUs 9h
  • Home Business
    Home Business
    Owning a home business can be one of the most rewarding career moves you will ever make. Not only do you get the freedom of answering only to yourself, but our increasingly Internet-savvy society makes reaching out to worldwide consumers easier tha...
    $75.00
    0.5 CEUs 5h
  • Housekeeping 101
    Housekeeping 101
    Keeping a clean house seems like such a daunting exercise for many people, but it need not be. Arming yourself with the right knowledge and the right tools will make cleaning easy and efficient. In this course, we offer a comprehensive view of how t...
    $75.00
    0.6 CEUs 6h
  • Investing 101: Stocks, Bonds, and Mutual Funds
    Investing 101: Stocks, Bonds, and Mutual Funds
    This course will help you demystify the stock market and start making money! Everyone yes, everyone is sure to find something suitable in the stock market to invest in. It doesn't matter if you are looking for a very safe investment to protect your...
    $75.00
    0.4 CEUs 4h
  • Human Resources Productivity Course Bundle
    Human Resources Productivity Course Bundle
    Human Resources Management 101: Today, many managers enter the world of human resources simply because they are exceptional managers. They have climbed the rank and file of the corporate ladder, succeeding at each rung, to the point where they are ...
    $120.00
    2.9 CEUs 29h
  • Economics: Complete Edition
    Economics: Complete Edition
    The purpose of this course is to equip you with a working understanding of economics and its myriad of business and personal applications. As such, we have crafted an easy-to-understand course comprised of economic's principle tenets while specifica...
    $150.00
    3.2 CEUs 32h
  • Ultimate Secretary Bundle
    Ultimate Secretary Bundle
    General Secretary 101: If you've been thinking about becoming a secretary, you should know that times have changed. While the computer has replaced the typewriter, the secretary is still an important part of the office setting. In this General Secr...
    $150.00
    3.8 CEUs 38h
  • Product Management 101
    Product Management 101
    Product management is the process of making the right product that solves the right problem for the right person at the right time. The right person is the customer, who along with business and technology, make up the heart of the product management...
    $75.00
    0.9 CEUs 9h
  • Habits of Millionaires
    Habits of Millionaires
    Today more than ever before, people from all walks of life are becoming millionaires. There are several explanations for this including the worth of the dollar, the internet, and the study of those who have become millionaires. Learning how a millio...
    $75.00
    0.5 CEUs 5h
  • Operations Management 101
    Operations Management 101
    Operations Management is a dynamic field in which individuals with the right skills, knowledge and talent can take a business to new heights and have a direct impact on daily operations and company profitability. Nearly 40% of all jobs are in the ar...
    $80.00
    0.5 CEUs 5h
  • Creating and Managing a Non-Profit Organization
    Creating and Managing a Non-Profit Organization
    Creating and managing a non-profit organization is a noble effort, one that takes a lot of work in order for goals to be reached. It is not something that a person can simply wake up one day and do without preparation. When you make the decision...
    $75.00
    0.5 CEUs 5h
  • Financial Analysis 101: Planning and Control
    Financial Analysis 101: Planning and Control
    The crux of financial analysis lies with its purpose. It may be the company's focus on short-term liquidity or its long-term planning. Financial statements provide a picture of the company's financial condition. Forecasting involves analyzing these ...
    $85.00
    0.7 CEUs 7h
  • Debt Reduction
    Debt Reduction
    This course teaches the concept of debt reduction and shows students how to wisely manage credit and personal debt. It is based on the premises that there are a lot of lifestyle changes and financial decisions that one can make to take control of hi...
    $75.00
    1.0 CEUs 10h
  • Business Branding 101
    Business Branding 101
    Take a look around you. Everywhere you look, you are faced with brands. From the brand of your television to the brand of your car, you are constantly surrounded by brands, and the many products the represent. In this course, you will go through and...
    $75.00
    0.6 CEUs 6h
  • Running Effective Meetings
    Running Effective Meetings
    This course on running effective meetings trains professionals to understand the correct approach to planning, conducting, and participating in business meetings. This course will show how to send proper meeting notices, design powerful agendas, and...
    $75.00
    0.5 CEUs 5h
  • Interpersonal Communication
    Interpersonal Communication
    This is a course on interpersonal communication, which is essentially a focus on communication within two-person relationships. This course presents concepts essential to understanding the complex dynamics that go into constructing and maintaining o...
    $75.00
    0.7 CEUs 7h
  • Microsoft Visio 2016
    Microsoft Visio 2016
    Microsoft Visio 2016 is a program used to create diagrams and drawings of all types and for all purposes. Unlike the basic diagram functions found in other Office programs, such as Word or Excel, Visio offers advanced drawing and diagram functions t...
    $75.00
    0.7 CEUs 7h
  • Understanding Financial Statements
    Understanding Financial Statements
    Accounting is the language of business. However, the real language of business lies within accounting--inside the financial statements and financial reporting system. The purpose of this course is to provide a business financial communication tool. ...
    $85.00
    0.7 CEUs 7h
  • Microsoft Project 2016
    Microsoft Project 2016
    Microsoft Project 2016 is a project management software program created for businesses and freelance professionals to help better manage individual projects that occur within companies. Although no project management software should be used to repla...
    $75.00
    0.8 CEUs 8h
  • Cross-Cultural Communication
    Cross-Cultural Communication
    Today's world of globalization and technological advancements emphasizes the importance of quality interpersonal communication. Intercultural communication skills are becoming perhaps more important than ever before in this time of an increasingly d...
    $75.00
    0.7 CEUs 7h
  • How to Start and Run an Online Business
    How to Start and Run an Online Business
    How to Start and Run an Online Business is an online course that is organized into 16 different sections to help you understand how to create an online business, even if you don't have any online business experience. From the basics of learning how...
    $75.00
    0.6 CEUs 6h
  • Advertising, Marketing and Sales Writing
    Advertising, Marketing and Sales Writing
    There you are, cold-calling yet another sales prospect. Your verbal pitch is pure gold; your prospect is attentive--interested--and seems ready to buy. But just as you're about to close the deal, you hear that eternal refrain: Send me something in ...
    $90.00
    1.2 CEUs 12h
  • Fundraising 101
    Fundraising 101
    Whether you are seeking to raise funds for your non-profit group, a worthy charity, political or religious organization, your local school or to provide community specific aid, this detailed course will provide you with everything you need to know ...
    $75.00
    0.5 CEUs 5h
  • Communication with Diplomacy and Tact
    Communication with Diplomacy and Tact
    Defined generally as communicating in ways that instill good feelings in others and avoid creating bad feelings , communicating with diplomacy and tact requires specific linguistic and nonlinguistic considerations. This course on Communicating with ...
    $75.00
    0.5 CEUs 5h
  • Writing Effective Persuasion
    Writing Effective Persuasion
    Do you hear stirring speeches that inspire to go out and take to heart what the speaker was talking about? Do you wonder how some people can sell nearly anything simply by how they talk? If you do, then chances are you are wondering about being pers...
    $75.00
    1.2 CEUs 12h
  • Listening Skills 101
    Listening Skills 101
    Did you know that there is a difference between hearing and listening? There is! Have you ever been told that you just don't listen? Most people have at some point in their life, so you probably have experienced it as well. But the problem is that g...
    $75.00
    0.7 CEUs 7h
  • Virtual Assistant 101
    Virtual Assistant 101
    Today's businesses, both new and established, are desperately in need of administrative type assistance at an affordable rate. They need versatility in the services performed and flexibility in the way the services are performed. If you have a caree...
    $75.00
    1.1 CEUs 11h
  • Internet Marketing Basics
    Internet Marketing Basics
    Today's business marketing efforts require an internet presence, an active campaign and a steady attention to the details of your company's internet marketing efforts. Don't let your company get left behind in the marketplace of ideas and sales. Uni...
    $75.00
    0.5 CEUs 5h
  • Economics 101
    Economics 101
    The average individual knows very little about economics and tends to believe whatever was seen or heard on television. However, we all contribute and are impacted by economic factors and need a basic understanding of how this works as economics be...
    $95.00
    1.7 CEUs 17h
  • Personal Finance 101: How to Manage Your Money
    Personal Finance 101: How to Manage Your Money
    Imagine you're going on a trip…It sounds odd, but your journey to understanding, growing and maintaining personal finance starts with your imagination. That's not all it takes, but, by imagining, dreaming and believing, these intangibles will ...
    $75.00
    0.6 CEUs 6h
  • Landlord 101: Managing Rental Properties
    Landlord 101: Managing Rental Properties
    Have you ever wanted to be a landlord? This multi-faceted career can be challenging and rewarding both personally and financially. Our course provides a broad yet detailed examination of the many areas that a property manager must blend together to ...
    $95.00
    1.1 CEUs 11h
  • Marketing for Small Business 101
    Marketing for Small Business 101
    Marketing for the 21 st century small business is more dynamic and more challenging than ever before in the course of history. The world has simultaneously opened up and yet niched closed in many ways. Today's businesses are challenged by a couple ...
    $75.00
    1.4 CEUs 14h
  • Marketing Outreach
    Marketing Outreach
    Marketing a company's products and services to potential and existing customers is not only necessary, but a key ingredient to growing sales. Outreach marketing is the facet of marketing in which a company representative actively seeks out potential...
    $75.00
    0.6 CEUs 6h
  • Project Management 101
    Project Management 101
    Have you ever been involved in a complex project that just did not go the way you wanted? Often failure is pre-ordained due to the approach to the project. The concept of project management exists because it helps assure completion of a project succ...
    $90.00
    0.5 CEUs 5h
  • Administrative Assistant 101
    Administrative Assistant 101
    Administrative Assistant Fundamentals Oh how times, and people, have changed in the world over the last few years. Presently and into the foreseeable future, business people will not only have to continue picking up the pace but will need to adapt ...
    $75.00
    0.8 CEUs 8h
  • Creating an Effective Sales Team
    Creating an Effective Sales Team
    Every small business owner or new entrepreneur knows that the success of their company will depend largely on the effectiveness of their sales team. After all, if you are not selling something, then you can hardly call yourself in business since bus...
    $75.00
    0.7 CEUs 7h
  • Time Management 101
    Time Management 101
    Managing time effectively is fundamental to success. It also factors into achieving balance in our lives. Today, we're busier than ever--at work and at home. Having enough time for things that are important, things we want or need to do, or even to ...
    $75.00
    0.7 CEUs 7h
  • How to Run an Effective Helpdesk
    How to Run an Effective Helpdesk
    A Help Desk is usually not a profit-generating department within a company. It is, for many organizations, a necessary expense, but it can add a significant amount of value to a company in a variety of ways. In order for your Help Desk to add this v...
    $75.00
    0.8 CEUs 8h
  • Motivational and Public Speaking 101
    Motivational and Public Speaking 101
    Public and Motivational speaking is often a cause for anxiety for millions of people, and it need not be. With the proper preparation, knowledge, and mindset, you can become an extremely effective public speaker. Public and motivational speakers ar...
    $75.00
    0.9 CEUs 9h
  • Understanding Business Administration
    Understanding Business Administration
    Whether you are already running a business, have yet to start one or have been hired to support a business owner, it is important to know the basics of the business administrative process. This course will trace a path through the inception, setup...
    $95.00
    1.1 CEUs 11h
  • Team Management
    Team Management
    Team Management Is -- Designing & Developing a Team Committed to a Common Purpose No man will ever make a great leader who wants to do it all by himself or to get all the credit for doing it. (Andrew Carnegie) 'Managing' used to be just telling...
    $75.00
    1.0 CEUs 10h
  • Sensitivity Training in the Workplace
    Sensitivity Training in the Workplace
    The most successful organizations and professionals understand that being able to work well with others is critical in today's increasingly diverse workforce. If you have co-workers, employees, or managers who don't share the same beliefs, backgroun...
    $75.00
    0.7 CEUs 7h
  • Business Credit 101
    Business Credit 101
    Business Credit 101 provides potential and current business owners with the necessary knowledge to successfully use credit within their business. There are many reasons why business operators rely on credit to maximize their business potential, but ...
    $75.00
    0.7 CEUs 7h
 
 

Course Lessons

Lesson 1: What Is Credit?

What Is Credit?
Forms of Credit
Credit Stats
9 Total Points
  • Lesson 1 Video
  • Review 2 Articles: About Credit; Know Your Credit
  • Complete Assignment: An Introduction
  • 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 Within Your Means

Living Within 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

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

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

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

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
553
Total Course Points
Show More
 

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.
Show More
 

Additional Course Information

Online CEU Certificate
  • Document Your Lifelong Learning Achievements
  • Earn an Official Certificate Documenting Course Hours and CEUs
  • Verify Your Certificate with a Unique Serial Number Online
  • View and Share Your Certificate Online or Download/Print as PDF
  • Display Your Certificate on Your Resume and Promote Your Achievements Using Social Media
Document Your CEUs on Your Resume
 
Course Title: Understanding and Managing Your Personal Credit
Course Number: 8900102
Languages: English - United States, Canada and other English speaking countries
Course Type: How To
CEU Value: 0.5 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
Syllabus: View Syllabus
Duration: Continuous: Enroll anytime!
Course Fee: $50.00 (no CEU Certification) || with Online CEU Certification: $75.00

Choose Your Subscription Plan

Course Only
One Course
No Certificate / No CEUs
$50
for 6 months
 
Billed once
This course only
Includes certificate X
Includes CEUs X
Self-paced Yes
Instructor support Yes
Time to complete 6 months
No. of courses 1 course
Certificate Course
One Course
Certificate & CEUs
$75
for 6 months
 
Billed once
This course only
Includes certificate Yes
Includes CEUs Yes
Self-paced Yes
Instructor support Yes
Time to complete 6 months
No. of courses 1 course
Platinum Yearly
Best Value
ALL COURSES
Certificates & CEUs
$189
per year
You save 50%!
Billed once
Includes all 500+ courses
Includes certificate Yes
Includes CEUs Yes
Self-paced Yes
Instructor support Yes
Time to complete 12 Months
No. of courses 500+
Platinum Monthly
ALL COURSES
Certificates & CEUs
$59 first month
$29.00 / each consecutive month thereafter
 
Billed monthly
Includes all 500+ courses
Includes certificate Yes
Includes CEUs Yes
Self-paced Yes
Instructor support Yes
Time to complete Monthly
No. of courses 500+
 

Student Testimonials

  • "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.
  • "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.
Follow Us Online
  • Follow us on Google Plus Follow us on FaceBook Follow us on Twitter Follow us on YouTube
© Copyright 1999-2018 Universal Class™ All rights reserved.