This introductory class is specifically designed for high school junior and senior students and college students. It is a general overview of the credit scoring system that will dictate the rest of your financial life. We go over:
The five pillars of credit scoring
How to establish credit without borrowing or purchasing
How student loans affect your credit report and FICO score
among many other topics.
Learn what others do not know.
This course will give you everything you need to know about FICO credit scoring, debt collection defense, and how to “fix” your credit report. We will go over the history of the credit report, history of credit cards, an examination of FICO scoring, when to pay your bills for maximum beneficial scoring and why not to pay a debt collector until you do this. Example letters will be given for those that want them to challenge debt collectors and credit reporting agencies. We will go over how to evaluate a credit report and where to go to get a credit report. An examination of the Fair Credit Reporting Act will be done along with an understanding of The Fair Debt Collection Practices Act.
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