Personal Finance

Credit & Debt Management

Take control of your credit and get out of debt for good

12 lessons4 modules9h 30m durationbeginner level

Instructor: StretchLearn Faculty

About this course

Credit and debt run on a small set of rules that almost nobody is taught. This course shows you exactly what is in your credit reports, which factors move FICO and VantageScore and by how much, and how to pick between the avalanche, snowball, and consolidation methods. You will leave with a written payoff plan, a dispute letter for any errors, and habits that keep your score climbing.

Curriculum

Module 1: How Credit Reports and Scores Actually Work3 lessons

Pull Your Reports and Scores for FreePreview45m
Read a Credit Report Line by Line🔒45m
The Five FICO Factors and Their Weights🔒50m

Module 2: Raising Your Score with the Levers That Move It3 lessons

Master Credit Utilization🔒50m
Payment History and Account Age🔒45m
Common Mistakes That Quietly Cost You Points🔒45m

Module 3: Choosing a Debt Payoff Strategy3 lessons

Take a Full Inventory of What You Owe🔒45m
Avalanche, Snowball, and the Math Behind Them🔒50m
Consolidation, Balance Transfers, and Refinancing🔒50m

Module 4: Executing, Disputing, and Protecting Your Credit3 lessons

Build and Run Your Payoff Schedule🔒50m
Dispute Errors and Handle Collections🔒50m
Protect Your Credit and Keep It Strong🔒45m