Toggle Side Panel
19y.fd1.myftpupload.com Managed WordPress Site
19y.fd1.myftpupload.com Managed WordPress Site
Close search

Credit Counseling (One on One Counseling)

Wishlist Share

About Course

In this course our counselors will work with you to create a plan to build or repair your credit over time, offering tips on how to use credit responsibly and increase your credit score.

What Will You Learn?

  • How to Check Your Credit Report for Free Annually from Each Bureau
  • Using Credit Monitoring Tools to Track Score Changes
  • The Role of Credit Counseling and Seeking Professional Help When Needed
  • Avoiding “Credit Repair Scams” and Understanding the Legal Rights of Consumers

Course Content

Understanding Credit Scores and Reports
Objective: This lesson introduces students to the basics of credit scores and credit reports, explaining their importance and how they are used by lenders, employers, and insurance companies. Overview of credit scores (FICO score, VantageScore) Key factors influencing credit scores: payment history, credit utilization, length of credit history, types of credit, and recent inquiries Understanding your credit report: How to read and interpret it The role of major credit bureaus (Equifax, Experian, TransUnion) How credit scores affect loan eligibility, interest rates, and insurance premiums

  • Lesson
  • Case Study
  • Case Study Questions

Identifying Negative Credit Behaviors and Their Impact
Objective: This lesson focuses on recognizing negative credit behaviors and understanding their long-term effects on credit scores and financial health. Common negative credit behaviors: missed payments, high credit utilization, defaults, bankruptcies, and collections How late payments, defaults, and bankruptcies affect your credit score The impact of credit inquiries and charge-offs on your credit profile The importance of understanding your credit history and taking steps to correct errors

Strategies for Building and Improving Your Credit
Objective: This lesson explores actionable strategies to improve credit scores by managing debt and maintaining responsible credit behaviors. Paying bills on time: Setting up reminders, automatic payments, and managing due dates Reducing credit card balances: How to prioritize debt repayment Increasing your credit limit and reducing credit utilization ratio Secured credit cards and credit-builder loans as tools for rebuilding credit The importance of diversification: Maintaining different types of credit accounts (e.g., revolving credit, installment loans)

Monitoring Credit Progress and Avoiding Common Pitfalls
Objective: This lesson emphasizes the importance of tracking credit improvement over time and avoiding common mistakes that can hinder progress. How to check your credit report for free annually from each bureau Using credit monitoring tools to track score changes The role of credit counseling and seeking professional help when needed Avoiding “credit repair scams” and understanding the legal rights of consumers Setting realistic goals and timelines for credit improvement

Want to receive push notifications for all major on-site activities?

✕

Report

Harassment or bullying behavior
Contains mature or sensitive content
Contains misleading or false information
Contains abusive or derogatory content
Contains spam, fake content or potential malware

Block Member?

Please confirm you want to block this member.

You will no longer be able to:

  • See blocked member's posts
  • Mention this member in posts
  • Invite this member to groups
  • Message this member
  • Add this member as a connection

Please note: This action will also remove this member from your connections and send a report to the site admin. Please allow a few minutes for this process to complete.

Report

You have already reported this .