Understand Credit Basics

Learn what credit really is and why it matters in everyday life. Identify key players in your credit story.

Decode Credit Scores

Discover what goes into your credit score, learn the difference between FICO and VantageScore, and understand how to improve it.

Build Credit from Scratch

Explore beginner-friendly strategies to establish or rebuild strong credit. Create a 90-day action plan for success.

About the Course

Take control of your financial future with our comprehensive Credit and Debt Management Course. Learn credit basics, decode credit scores, build credit from scratch, manage existing debt, and optimize credit for the future. By the end, you'll have the tools to build excellent credit, avoid financial pitfalls, and achieve long-term financial freedom.

Take Control of Your Financial Future—Starting Today!

If you’ve ever felt overwhelmed by debt, confused by your credit score, or frustrated that no one ever taught you how money really works—this course is for you. In Credit Building & Debt Management: Your Friendly Guide to Financial Health, you’ll learn practical, step-by-step strategies to: ✅ Build or rebuild your credit with confidence ✅ Eliminate debt using proven methods that actually work ✅ Unlock lower interest rates, higher approval odds, and real financial freedom ✅ Avoid the traps that keep so many people stuck in a cycle of debt This isn’t about confusing jargon or unrealistic promises—it’s about real talk, real examples, and real results. By the end, you’ll not only understand how credit and debt work, but you’ll also have a clear plan to use money as a tool instead of a stressor. 💡 Imagine the relief of knowing you can qualify for that apartment, buy that car, or finally stop throwing away money on high interest. Imagine the freedom of being in control—not the other way around. 👉 Don’t wait another month wondering where your money went. Enroll now and start building the financial future you deserve.

Course Curriculum

7 Chapters · 59 Lessons

  1. 1

    Credit Foundation

    1. (Included in full purchase)

      Important Disclaimers

    2. (Included in full purchase)

      Credit foundations

    3. (Included in full purchase)

      The Credit Ecosystem

    4. (Included in full purchase)

      Credit Foundation Quiz

    5. (Included in full purchase)

      Credit Building and Debt Management 30 day Journaling Workbook

    6. (Included in full purchase)

      Credit Building Checklist Therabrake

  2. 2

    Understanding Your Credit Score- Decoding Those Three Numbers

    1. (Included in full purchase)

      Checking and Improving Your Score

    2. (Included in full purchase)

      The Fico Score Breakdown

    3. (Included in full purchase)

      Credit Score Ranges and What They Mean

    4. (Included in full purchase)

      The Credit Report vs. Credit Score Difference

    5. (Included in full purchase)

      Practical Credit Score Monitoring

    6. (Included in full purchase)

      Vantage Score vs. Fico: Understanding the Differences

    7. (Included in full purchase)

      Understanding your credit score quiz

  3. 3

    Building Credit from Scratch Your Credit Journey Starts Here

    1. (Included in full purchase)

      Strategy 1: Secured Credit Cards - Training Wheels for Credit

    2. (Included in full purchase)

      Strategy 2: Become an Authorized User - Borrowing Someone Else's Good Credit

    3. (Included in full purchase)

      Strategy 3: Credit-Builder Loans - Forced Savings That Build Credit

    4. (Included in full purchase)

      Strategy 4: Student Credit Cards - If You're in School

    5. (Included in full purchase)

      Strategy 5: Store Credit Cards - Use With Caution

    6. (Included in full purchase)

      The First 90 Days of Having Credit

    7. (Included in full purchase)

      Section 3 Quiz

  4. 4

    Managing Existing Debt- Getting Your Arms Around What You Owe

    1. (Included in full purchase)

      Step 1: The Debt Inventory - Facing the Numbers

    2. (Included in full purchase)

      Step 2: Understanding Different Types of Debt

    3. (Included in full purchase)

      Step 3: The Minimum Payment Strategy - Stopping the Bleeding

    4. (Included in full purchase)

      Step 4: Extra Payment Strategies - Getting Ahead

    5. (Included in full purchase)

      Step 5: Finding Extra Money for Debt Payments

    6. (Included in full purchase)

      Step 6: Debt Consolidation Options

    7. (Included in full purchase)

      Step 7: Negotiating with Creditors

    8. (Included in full purchase)

      Step 8: Avoiding Debt Management Pitfalls

    9. (Included in full purchase)

      Section 4 Quiz

  5. 5

    Strategic Debt Elimination Your Roadmap to Freedom

    1. (Included in full purchase)

      Creating Your Debt Freedom Date

    2. (Included in full purchase)

      The Debt Elimination Spreadsheet Strategy

    3. (Included in full purchase)

      Accelerating Your Debt Elimination

    4. (Included in full purchase)

      Handling Setbacks and Obstacles

    5. (Included in full purchase)

      Advanced Debt Elimination Strategies

    6. (Included in full purchase)

      Staying Debt-Free After Elimination

    7. (Included in full purchase)

      The Journey

    8. (Included in full purchase)

      Section 5 Quiz

  6. 6

    Credit Optimization Advanced Strategies for Long-Term Success

    1. (Included in full purchase)

      Beyond Basic Credit Building

    2. (Included in full purchase)

      Advanced Credit Score Factors

    3. (Included in full purchase)

      The Statement Date Strategy

    4. (Included in full purchase)

      Strategic Credit Applications

    5. (Included in full purchase)

      Rewards Optimization Strategy

    6. (Included in full purchase)

      Advanced Credit Monitoring

    7. (Included in full purchase)

      Preparing for Major Purchases

    8. (Included in full purchase)

      Business Credit Development

    9. (Included in full purchase)

      Credit Optimization Mistakes to Avoid

    10. (Included in full purchase)

      Section 6 Quiz

  7. 7

    Avoiding Future Pitfalls - Staying on Track for Life

    1. (Included in full purchase)

      The Success Paradox

    2. (Included in full purchase)

      Understanding Your Personal Money Triggers

    3. (Included in full purchase)

      The 24-Hour Rule and Other Spending Safeguards

    4. (Included in full purchase)

      Credit Card Management for Life

    5. (Included in full purchase)

      Building Sustainable Financial Habits

    6. (Included in full purchase)

      Teaching Others (and Reinforcing Your Own Knowledge)

    7. (Included in full purchase)

      Handling Financial Setbacks

    8. (Included in full purchase)

      Long-term Wealth Building

    9. (Included in full purchase)

      Creating Your Personal Financial Mission Statement

    10. (Included in full purchase)

      Building Your Support Network

    11. (Included in full purchase)

      Red Flags: When to Seek Professional Help

    12. (Included in full purchase)

      Section 7 Quiz

Ready to Transform Your Finances?

Enroll today to gain the confidence and tools you need to build excellent credit, manage debt effectively, and secure long-term financial freedom.

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