Overview of the course and why credit matters for borrowing, housing, and employment. Sets the stage for taking control of your credit journey.

Explains why payment history is the top scoring factor and provides practical tactics—automation, reminders, budgeting—to ensure every bill is paid on time.

Shows how keeping balances low boosts scores and offers strategies such as early payments and debt-reduction plans to manage credit card utilization.

Introduces programs like Experian Boost to add utility, rent, and cellphone payments to your file, helping thin or limited credit profiles.

Covers the advantages of leaving unused credit cards open to improve utilization and lengthen credit history while avoiding fees and overspending.

Details how hard inquiries affect scores, the concept of rate shopping, and guidelines for applying for new credit only when necessary.

Guides learners on accessing free annual reports, understanding each section, and verifying the accuracy of personal and account information.

Teaches how to spot suspicious items, file disputes, and protect against identity theft to maintain a clean and accurate credit profile.

Explores consistent score monitoring, interpreting fluctuations, working with counselors, and disciplined steps to rebuild and safeguard credit.

Summarizes key practices, reinforces lifelong habits for protecting credit, and provides an actionable checklist to stay on track.