Credit Education Course
📚Grahamith Credit Education Course
🗂️ Table of Contents
📖 Module 1: Understanding Credit Reports & Scores
"Mastering Your Credit Foundation"
- The 5 Factors that Shape Your Credit Score
- FICO vs. Vantage Score: Why It Matters
- How to Properly Read a Credit Report
- Understanding Soft vs. Hard Inquiries
- Lesson Action Steps
📖 Module 2: The Laws That Protect You
"Know Your Rights, Protect Your Power"
- Overview of the Fair Credit Reporting Act (FCRA)
- Your Rights Under the Fair Debt Collection Practices Act (FDCPA)
- How the Truth in Lending Act (TILA) Safeguards You
- Other Key Consumer Protection Laws
- Lesson Action Steps
📖 Module 3: Building a Dispute Strategy
"From Understanding to Action"
- What Makes a Valid Dispute
- Identifying Errors to Challenge
- Structuring Effective Dispute Plans
- Dispute Tracking and Recordkeeping Best Practices
- Lesson Action Steps
📖 Module 4: Rebuilding and Boosting Credit After Disputes
"Strengthening Your Credit Profile"
- How to Add Positive Accounts the Smart Way
- Managing Credit Utilization Properly
- Building a Reliable Payment History
- Dealing with Remaining Collections and Old Accounts
- Lesson Action Steps
📖 Module 5: Handling Advanced Credit Situations
"When Basic Disputes Aren’t Enough"
- When and How to Escalate a Dispute
- How to File a CFPB Complaint Effectively
- Using Debt Validation Letters Correctly
- Knowing When to Consider Legal Action
- Lesson Action Steps
📖 Module 6: Business Basics for Credit Educators
"From Student to CEO"
- Transitioning from Personal to Professional Mindset
- Setting Up Your Credit Education Business Legally
- Structuring Your Service Offers
- Legal Disclosures, Agreements, and Compliance
- Branding, Marketing, and Building Authority
- Lesson Action Steps
🎓 Final Wrap-Up: Graduation and What's Next
- Continuing Your Credit Education Journey
- Becoming Board Certified (Optional but Recommended)
- Staying Connected with Grahamith for Ongoing Growth
- Final Motivation and Leadership Charge