Module 1: Introduction (Start here!)
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1. My all-important disclaimer (5:51)
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2. The S.C.R.E. method: How I got GREAT credit scores... and YOU can too! (6:41)
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3. The 2 types of credit reports used in the course and what's on them (7:34)
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4. How long it takes to receive a FICO score: Meg and Kris's story (4:14)
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5. What is a credit score and why do they exist? (5:11)
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6. How credit scoring works (in my brain) (4:44)
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7. What is a "great" credit score anyway? (2:51)
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8. Information (some surprising) that does NOT affect credit scores (7:11)
Module 2: Credit Mix
Module 3: New Credit
Module 4: Length of Credit History
Module 5: Payment History
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1. The best status to have on an account (6:50)
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2. The Gold Standard of Payment History (4:09)
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3. The opposite of the Gold Standard (5:48)
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4. How long negative items typically stay on a credit report (8:36)
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5. Recency and Frequency (7:03)
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6. Severity and amounts owed on delinquent accounts (7:55)
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7. How much damage negative credit events do to FICO scores (8:29)
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8. How long it takes scores to recover from a negative credit event (5:14)
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9. The divorce and credit myth (9:31)
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10. Public records and disputing information on our credit reports (8:55)
Module 6: Collections
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1. How collections get on credit reports and which types lower scores (10:30)
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2. Beware of 3 damaging myths about collections (5:51)
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3. Changes to FICO Score 9 regarding medical and paid collections (7:29)
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4. My 4 personal golden rules for deciding whether or not to pay off a collection (5:55)
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5. Pam's story: an avoidable, costly, common credit mistake (10:39)
Module 7: Amounts Owed
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1. Why the number of accounts carrying a balance on a credit report matters (10:03)
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2. How paying down a mortgage and non-mortgage installment loan affects scores (9:06)
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3. How paying off a mortgage or non-mortgage installment loan can LOWER scores. (7:28)
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4. The very important Credit Utilization Ratio (10:13)
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5. What is the "right" credit utilization ratio? (7:15)
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6. Total balances owed on credit cards really matter (9:05)
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7. Myths about high credit limits and carrying a balance from month-to-month (9:16)
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8. How I time my credit card payments to have great credit scores (11:58)
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9. The innocent credit score crushing mistake people make with credit card debt (10:40)
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10. Wrapping up Amounts Owed (12:49)
UltraFICO and FICO Score 10 Suite
