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The Great Credit Course

Module 1: Introduction (Start here!)

1. My all-important disclaimer (5:51)
2. The S.C.R.E. method: How I got GREAT credit scores... and YOU can too! (6:41)
3. The 2 types of credit reports used in the course and what's on them (7:34)
4. How long it takes to receive a FICO score: Meg and Kris's story (4:14)
5. What is a credit score and why do they exist? (5:11)
6. How credit scoring works (in my brain) (4:44)
7. What is a "great" credit score anyway? (2:51)
8. Information (some surprising) that does NOT affect credit scores (7:11)

Module 2: Credit Mix

1. The 3 main types of accounts on a credit report (7:44)
2. Loan types on a typical credit report (and one loan type we should avoid) (7:09)
3. Why and how the total number of accounts on a report affects credit scores (6:38)

Module 3: New Credit

1. The 2 main types of inquiries and the one type that matters (10:25)
2. Inquiries are a hot topic, but should they be? (9:11)
3. Date opened: why it's SO important (6:39)
4. Date of Last Activity: use it or lose it (3:36)

Module 4: Length of Credit History

1. How our newest and oldest accounts affect our credit scores (8:33)
2. A little-known reason why opening an account can lower credit scores (8:39)
3. What is "recent" activity and why closing an account can lower credit scores (7:49)

Module 5: Payment History

1. The best status to have on an account (6:50)
2. The Gold Standard of Payment History (4:09)
3. The opposite of the Gold Standard (5:48)
4. How long negative items typically stay on a credit report (8:36)
5. Recency and Frequency (7:03)
6. Severity and amounts owed on delinquent accounts (7:55)
7. How much damage negative credit events do to FICO scores (8:29)
8. How long it takes scores to recover from a negative credit event (5:14)
9. The divorce and credit myth (9:31)
10. Public records and disputing information on our credit reports (8:55)

Module 6: Collections

1. How collections get on credit reports and which types lower scores (10:30)
2. Beware of 3 damaging myths about collections (5:51)
3. Changes to FICO Score 9 regarding medical and paid collections (7:29)
4. My 4 personal golden rules for deciding whether or not to pay off a collection (5:55)
5. Pam's story: an avoidable, costly, common credit mistake (10:39)

Module 7: Amounts Owed

1. Why the number of accounts carrying a balance on a credit report matters (10:03)
2. How paying down a mortgage and non-mortgage installment loan affects scores (9:06)
3. How paying off a mortgage or non-mortgage installment loan can LOWER scores. (7:28)
4. The very important Credit Utilization Ratio (10:13)
5. What is the "right" credit utilization ratio? (7:15)
6. Total balances owed on credit cards really matter (9:05)
7. Myths about high credit limits and carrying a balance from month-to-month (9:16)
8. How I time my credit card payments to have great credit scores (11:58)
9. The innocent credit score crushing mistake people make with credit card debt (10:40)
10. Wrapping up Amounts Owed (12:49)

UltraFICO and FICO Score 10 Suite

1. The new UltraFICO and FICO Score 10 Suite and CONGRATS on finishing the course! (9:49)

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1. The 2 main types of inquiries and the one type that matters

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