Introduces the concept of credit, explains its role in everyday financial decisions, and sets the stage for the importance of establishing a solid credit history.

Explores why lenders hesitate to extend credit to people with no history and outlines the obstacles beginners face when trying to access loans or credit cards.

Details how being added to a trusted person’s credit card account can quickly populate your credit report with positive history, along with the responsibilities and risks involved.

Explains how secured credit cards work, why deposits lower lender risk, and how on-time payments build a track record that can lead to unsecured cards.

Covers the benefits and potential pitfalls of opening joint credit accounts or co-signing loans with someone who has established credit.

Shows how credit-builder loans held in savings help you create payment history while simultaneously accumulating funds for future goals.

Clarifies how marriage affects (and does not affect) individual credit profiles, highlighting strategies for couples to manage joint accounts wisely.

Explains how to untangle joint debts, close or refinance shared accounts, and rebuild independent credit following divorce.

Discusses maintaining active credit in retirement and debunks the myth that carrying credit card balances improves your score.

Summarizes key takeaways from all modules, reinforcing best practices for building and protecting credit through every life stage.