💵 Step-by-Step to Build Your Credit Now
Credit repair is the process of correcting errors on your credit report, removing negative items, and rebuilding your credit score through smart financial habits and responsible credit use.
Free demo class
What you'll learn:
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How credit scores are calculated and what impacts them
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How to pull and read your credit reports from all three bureaus
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How to identify and dispute inaccurate or outdated negative items
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How to write effective dispute and validation letters
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The difference between hard and soft inquiries
Course content
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Section
1Step 1: Get Your Free Credit Reports
- What Is a Credit Report and Why You Need All Three 00:10:00
- The Difference Between Experian, Equifax, and TransUnion 00:08:00
- How to Safely Access Your Free Reports (AnnualCreditReport.com Tutorial) 00:06:00
- Setting Up a Secure Folder to Store Your Reports 00:05:00
- How to Read a Credit Report: Layout, Terms, and Sections 00:05:00
- Downloading vs Printing: Which Is Better for Review? 00:05:00
- What to Do If You Can't Access Your Report Online 00:05:00
- How Often Should You Pull Your Reports? Setting Up a Schedule 00:05:00
- Avoiding Scams: Sites to Trust and Sites to Avoid 00:05:00
- Introduction to Freeze, Fraud Alerts, and ID Theft Protections 00:05:00
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Section
2Step 2: Review Reports for Accuracy
- Verifying Your Personal Information (Name, SSN, Address, DOB) 00:03:00
- Understanding Credit Accounts: Open vs Closed, Revolving vs Installment 00:03:00
- Spotting Red Flags: Mixed Files, Duplicate Accounts, Wrong Balances 00:03:00
- How to Identify Inaccurate Late Payments 00:03:00
- What Are Hard Inquiries, and Which Ones Hurt Your Score 00:03:00
- Reviewing Collections and Charge-Offs: What to Look For 00:03:00
- How to Detect Identity Theft or Fraudulent Accounts 00:03:00
- Common Errors That Cost You Points (Name Misspellings, Dates, Limits) 00:03:00
- Making a List of Items to Dispute (With Evidence) 00:03:00
- Using a Credit Report Checklist for Complete Review 00:03:00
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3Step 3: Dispute Any Errors
- Understanding Your Rights Under the Fair Credit Reporting Act (FCRA) 00:05:00
- How the Dispute Process Works for Each Credit Bureau 00:05:00
- Should You Dispute Online, by Mail, or by Phone? 00:05:00
- How to Write an Effective Dispute Letter 00:05:00
- Gathering and Attaching Supporting Documentation 00:05:00
- Creating a Dispute Tracking Log (With Templates) 00:05:00
- Sample Disputes: Late Payments, Collections, and Wrong Accounts 00:05:00
- What to Expect After You Submit a Dispute (Timeline & Responses) 00:05:00
- How to Escalate to the CFPB if Your Dispute Is Ignored 00:05:00
- When to Re-Dispute or Use a Method of Verification (MOV) Request 00:05:00
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Section
4Step 4: Pay Down Revolving Credit
- Understanding Credit Utilization and Why It Affects Your Score 00:05:00
- Listing All Your Credit Card Balances 00:05:00
- The 30% Rule (And Why 10% is Better) 00:05:00
- How to Choose Which Cards to Pay First (Snowball vs Avalanche) 00:05:00
- Setting Up a Paydown Plan With Your Monthly Budget 00:05:00
- Using Balance Transfer Offers the Smart Way 00:05:00
- How to Request a Credit Limit Increase Without a Hard Pull 00:05:00
- Avoiding “Maxed Out” Cards and Penalties 00:05:00
- How to Use Calendar Reminders for Weekly Mini-Payments 00:05:00
- Visualizing Progress with a Paydown Tracker 00:05:00
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Section
5Step 5: Make All Payments On Time
- The Impact of a Single Missed Payment on Your Score 00:05:00
- Setting Up AutoPay vs Manual Payments 00:05:00
- Budgeting for Minimums First, Then Extras 00:05:00
- How to Pay Early (And Why It's Better) 00:05:00
- What to Do If You’re Behind — Catch-Up Strategy 00:05:00
- Using Apps and Alerts to Stay On Top of Due Dates 00:05:00
- How to Handle Grace Periods and Avoid Interest 00:05:00
- Using the “Twice a Month” Trick to Boost Scores 00:05:00
- Avoiding Overdrafts and NSF Fees with Smart Payment Timing 00:05:00
- Building a Monthly Bill Pay Calendar That Works for You 00:05:00
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6Step 6: Apply for a Secured Credit Card
- What Is a Secured Credit Card and How Does It Work? 00:06:00
- Choosing the Right Secured Card: Best Banks and Terms 00:06:00
- Comparing Fees, Interest Rates, and Deposit Requirements 00:06:00
- How to Apply Online Without a Hard Pull (Some Options) 00:06:00
- Understanding Deposit Limits and What It Means for Your Score 00:06:00
- Setting Rules for Yourself: Only Use It for One Small Bill 00:06:00
- How to Pay in Full and On Time Every Month 00:06:00
- How to Avoid Pitfalls (Fees, Misuse, Overspending) 00:06:00
- When to Ask for Graduation to Unsecured Card 00:06:00
- How to Track the Card's Impact on Your Score Monthly 00:06:00
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Section
7Step 7: Open a Credit Builder Account
- What Is a Credit Builder Loan and How It Differs from a Regular Loan 00:05:00
- Top Credit Builder Services: Self, Chime, CreditStrong, and More 00:05:00
- Walking Through the Application: What to Expect 00:05:00
- How Much Should You Borrow and for How Long? 00:05:00
- Understanding the Cost vs Benefit of Builder Loans 00:05:00
- How the Monthly Payments Are Reported to Bureaus 00:05:00
- What Happens If You Miss a Payment (And How to Prevent It) 00:05:00
- How to Automate Builder Loan Payments 00:05:00
- When to Close the Account or Graduate 00:05:00
- Measuring Success: How Much Will Your Score Improve? 00:05:00
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Section
8Step 8: Become an Authorized User
- What Is an Authorized User and How It Helps Your Score 00:05:00
- Choosing the Right Person to Add You (Trust & History Matter) 00:05:00
- How to Ask Without Pressure or Risk 00:05:00
- What to Look for: Low Utilization, Long History, On-Time Payments 00:05:00
- How to Stay Off Their Radar (No Card Needed) 00:05:00
- Will Their Bank Report to All 3 Bureaus? 00:05:00
- How to Monitor the Account Without Accessing It 00:05:00
- Risks to Watch For (If They Miss a Payment or Max the Card) 00:05:00
- How to Remove Yourself If Needed 00:05:00
- How to Use Multiple Authorized User Accounts Safely 00:05:00
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Section
9Step 9: Monitor Your Credit
- What Is Credit Monitoring and Why You Need It 00:06:00
- Free Tools: Credit Karma, Credit Sesame, WalletHub 00:06:00
- Paid Services: IdentityIQ, myFICO, Experian 00:06:00
- What to Watch For: Alerts, Score Changes, Inquiries 00:06:00
- How to Set Up Score Alerts and Email Notifications 00:06:00
- Monitoring Your Identity for Fraud or Theft 00:06:00
- Setting Up a Monthly Credit Check-In Routine 00:06:00
- Reviewing Credit Score Factors in Your Monitoring App 00:06:00
- How to Use Monitoring to Detect Reporting Errors 00:06:00
- Knowing When to Freeze or Lock Your Report 00:06:00
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Section
10Step 10: Track Your Progress
- Creating a Credit Repair Journal (Digital or Paper) 00:06:00
- Logging Payments, Score Changes, and Credit Usage 00:06:00
- Using Excel or Google Sheets to Build a Credit Dashboard 00:06:00
- Tracking Disputes and Outcomes 00:06:00
- Building a Visual Credit Score Timeline 00:06:00
- Using Milestones (Score 550 → 600 → 650 → 700+) 00:06:00
- Creating Monthly Goals for Debt Paydown 00:06:00
- How to Reward Yourself for Progress Without Using Credit 00:06:00
- Updating Your Credit Plan Quarterly 00:06:00
- Knowing When You're Ready for Bigger Credit Moves (Unsecured Cards, Auto Loans, etc.) 00:06:00
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11🔒 START HERE (STEP BY STEP): Fix Your Credit Report In 30 Days
- Important: Step By Step Fix Your Credit Report In 30 Days 00:00:00
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- Fix Your Credit Conclusion 00:00:00
Credit repair is a step-by-step process that helps individuals improve their credit health by identifying and correcting inaccuracies, disputing negative or outdated information, and taking intentional actions to rebuild a stronger credit profile. It often involves reviewing credit reports from all three major bureaus—Experian, Equifax, and TransUnion—finding errors such as incorrect late payments, collections, or identity theft, and submitting formal disputes to have them corrected or removed.
In addition to cleaning up your credit history, credit repair also includes learning how to responsibly manage new credit accounts, reduce debt, and maintain on-time payments to steadily boost your score. Whether you're working toward qualifying for a mortgage, lowering your interest rates, or gaining better financial security, credit repair empowers you to take control of your financial future and build long-term financial success.