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Concerned About Credit: An Introduction To Credit Scores, Credit Reports, And Why They Matter

Do you want to raise your credit score but you’re not sure how? Are you confused by terms and concepts you don’t understand? Have you gotten into trouble with credit before and want to learn how to avoid trouble again? Are you afraid to use credit because you know someone who has gotten into trouble and you want to avoid making the mistakes they did? This course will help you to understand common credit terms and concepts so you can confidently build your credit reputation while avoiding the mistakes that so many people make when using credit.

You’ll learn:

  • How lenders use your credit reputation to decide whether or not to lend you money
  • How credit scores make that decision easier and faster for many lenders
  • Why some people have high credit scores and others don’t
  • Behaviors that will, if you use them consistently, raise your credit scores and keep you out of trouble


Module 1 What You Already Know
Lesson 1 Before We Begin
Lesson 2 Pretest
Lesson 3 Pretest Complete
Module 2 Credit Reputation
Lesson 1 Why Credit Reputation Matters
Lesson 2 What Are Credit Reports
Lesson 3 What Are Credit Scores
Lesson 4 On time Payments and Credit Utilization Ratio
Lesson 5 Credit Age And Credit Mix
Lesson 6 Credit Inquiries
Lesson 7 Healthy Credit Habits
Module 3 Course Completion
Lesson 1 Final Exam
Lesson 2 Course Satisfaction Survey
Lesson 3 Resource List And Course Completion Certificate