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Video 1
section 1: credit repair course intro
Good credit is critical. Banks won’t give you a loan if you have a bad credit score. Credit card companies will reject you and insurance companies may charge you a higher rate. If you have a low credit score, the utility company may require a security deposit before they’ll turn anything on. Unfortunately, it’s pretty easy to hurt your credit score.
Section 1: Credit repair course intro
Running Time - 02:17
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Video 2
section 2: Understanding your credit score
Before you can begin to repair your credit score, it’s important to understand what factors affect it. Many people don’t realize that there are a number of specific things that affect your overall credit score. If you don’t pay attention to all of them, you can unknowingly hurt your score.
section 2: understanding your credit score
Running Time - 4:17
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Video 3
Section 3 step 1: Examining your credit report
The first step in repairing your credit is to know exactly what’s on your credit report. Your credit report contains everything that affects your credit score, including all the things pulling your score down.
section 3 step 1: examining your credit report
Running Time - 3:26
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Video 4
section 3 step 2: disputing credit errors
The next step in repairing your credit is disputing any errors on your report. If you think that any information on the credit report is incorrect or incomplete, you have the right to dispute it. Credit disputes can be made online, by phone, or through the mail. You should receive instructions about how to file a dispute when you order your credit report.
section 3 step 2: disputing credit errors
Running Time - 6:01
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Video 5
section 3 step 3: past due accounts
The biggest factor in your credit score is your payment history, making up 35%. This means that if you have multiple past due accounts, your credit score will significantly suffer.
section 3 step 3: past due accounts
Running Time - 2:43
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Video 6
section 3 step 4: bring down high balances
After your payment history, your credit utilization is the second highest factor in your overall credit score (about 30% of the total). Remember, credit utilization is the percentage of available credit you’ve used. For example, if you have $5,000 in available credit and you have a total balance of $2,500, your credit utilization is 50%.
section 3 step 4: bring down high balances
Running Time - 1:57
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Video 7
section 3 step 5: build new credit
When it comes to repairing your credit, there are two sides of the coin. On the one side, you want to eliminate as much negative information as possible. This is why you tackle things like past due accounts and high credit balances.
section 3 step 5: build new credit
Running Time - 3:09
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Video 8
section 4: other tips for building solid credit
Other Tips For Building Solid Credit: In addition to getting a new credit card and using it to build up your credit, there are a number of other specific tactics you can use to raise your credit score.
section 4: other tips for building solid credit
Running Time - 2:32
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Video 9
section 5: Healthy financial behaviors
In addition to knowing how to repair and build your credit, it’s also important to implement healthy financial behaviors. If you don’t have healthy financial behaviors, you’ll end up sabotaging your efforts to repair your credit. Keep these items in mind as you continue to build your credit score.
section 5: Healthy financial behaviors
Running Time - 2:42
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Video 10
section 6: be persistent be patient
Rebuilding your credit is a process that requires persistence and patience. You must work persistently to dispute incorrect information, catch up on past due accounts, pay down high credit balances, and build new credit. If you’re not willing to put in the persistent work, your credit simply won’t improve.
section 6: be persistent be patient
Running Time - 2:14
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“…the $3.0-billion U.S. credit repair industry will continue to have a major role. And that when the inevitable economic downturn arrives—now or in five years—hard-pressed U.S. consumers will look around for professional help.”
The credit repair industry is booming.
Why? Many people need help with their credit. The truth about credit repair is that the credit repair companies can’t do anything that you can’t do on your own. Watch the free video series to learn more.
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