Credit Score & Repair Guide

This 6 lesson mini-course will show you how to get a free credit score, learn about score Check, Credit monitoring (credit tracker), credit repair (credit fix), and more

Those financial domains are often threatening but don’t worry, we are here to make it simple and understandable – all you need to do is put the time and effort into learning.

Your credit score or credit rating is very significant, it may affect your future when Applying for a loan, applying for a job, leasing an apartment, and more.
Sometimes the lack of knowledge causes many problems that could be avoided, this is your opportunity to build your credit score right, learn about free credit score alternatives and different credit reporting agencies (the major ones are Equifax, Experian, and Transunion), learn basic concepts that you should know, from fico score to credit freeze (credit lock), credit monitoring and more.

In this mini-course :
# Lesson 1: Calculating a credit score - Credit scores vary from a scoring model to another, but in general, the FICO scoring system is the standard in the U.S., Canada, and other global areas. It is important that you’ll understand how the score is calculated, so you will be able to position yourself in the best possible way.

# Lesson 2: Credit Bureaus – three bureau credit report - A credit bureau is a collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency (called a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India). Most U.S. consumer credit information is collected and kept by the four national traditional consumer reporting agencies: Experian, Equifax, TransUnion, and Innovis.
# Lesson 3: Credit freeze – Credit Lock - also known as a credit report freeze, a credit lock down, or a security freeze, allows an individual to control how a U.S. consumer reporting agency (credit bureaus: Equifax, Experian, TransUnion, Innovis) is able to sell his or her data. The credit freeze locks the data at the consumer reporting agency until an individual gives permission for the release of the data.
# Lesson 4: Acquiring and understanding credit reports and credit scores - Consumers can typically check their credit history by requesting credit reports from credit agencies and demanding correction of