🧳 Transition & Reentry Skills *coming soon
Course overview
Lesson Overview

4.8 – Steps to Repair Damaged Credit: Repairing damaged credit takes time and consistency but restores access to financial opportunity and peace of mind. The process begins with checking your credit report for errors and disputing any inaccuracies. Paying overdue accounts and reducing debt balances shows lenders renewed responsibility. Setting up automatic payments ensures bills are never missed again, which steadily rebuilds your score. Avoiding new high-interest debt during this phase prevents setbacks and demonstrates self-discipline. Communicating with creditors to negotiate payment plans can also minimize damage. Progress might feel slow, but each month of on-time payments strengthens your reputation with lenders. Tracking improvement keeps motivation alive as your score rises gradually. Rebuilding credit is about proving reliability through steady habits, not quick fixes. Over time, patience and discipline transform damaged credit into a symbol of growth, resilience, and restored financial control.

About this course

Essential skills to support smooth life transitions and successful reentry into independent living and community life.

This course includes:
  • Transition and reentry planning templates
  • Resource guides for housing, employment, and community support
  • Scenario-based exercises for problem-solving and adaptation

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