This Credit Score and Credit Repair course is your opportunity to understand why and how you should handle your credit score and how to improve it by credit repair steps.


Your credit score comes with a substantial effect on your foreseeable future, however it is very likely that you don’t know enough about it.
Tips and guidelines you'll discover and precious know-how that you'll obtain here may be a lifesaver down the road. Make the effort to learn, we've aimed to keep it brief and simple to read.


A credit rating or a credit score is an assessment of the risk of a borrower, a credit score is mainly based upon credit report data usually origin from credit bureaus.


In a few brief sessions you'll discover extremely precious understanding which will certainly be worthy of your effort and time.

In this course you will learn:
- What is the credit score, how the credit score is calculated and how to use it to your advantage. There are 6 main factors to the credit score (fico score) calculation: Payment history, Debt, Time in file, Account Diversity, The Search for a New Credit, Inquiries. We will discuss and explain each of these, they are crucial for your score maintenance and credit repair.

- Credit History effect on Credit score - A credit history is a record of a borrower’s liable repayment of debts. A credit report is basically a past report of the borrower’s credit history from a different variety of resources, such as banks, credit card providers, collection agencies, and state & federal governments. A borrower’s credit score is the result of an arithmetical algorithm applied to a credit report and other sources of information to predict potential misbehavior.

- Acquiring and understanding credit reports and scores – Experian, Equifax, TransUnion
People can frequently check their credit history by asking for credit reports from credit agencies and requiring correction of information if necessary.
- Adverse credit (sub-prime credit) - Unfavorable credit history, also called sub-prime credit history, non-status credit history, impaired credit history, poor credit history, and bad credit history, is a damaging credit rating.
- Credit score and credit history of immigrants - In some countries, in addition to privately owned credit agencies, credit records are also maintained by the central bank. Especially, Spain is one of those countries