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Stephen Liao – Credit 101

Original price was: $997.00.Current price is: $30.00.

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Are you new to the world of credit and don’t know where to start? Credit 101 is the perfect guide to help you get started. In this comprehensive course, you’ll learn the basics of credit, strategies for good management, and the best resources for research.Introduction (4:45)

In this introductory section, you’ll learn the lingo of credit and the different types of credit. You’ll also get an overview of what goes into your credit score and the importance of a good credit history. Plus, you’ll find out what your credit rights are, and how to protect yourself from identity theft and scams.

What is Credit (5:56)

This section dives into credit and how it works. You’ll learn the three major credit bureaus, how they’re used to calculate your credit score, and how to understand your credit report. Plus, you’ll get an overview of the different types of credit, such as installment loans, revolving credit, and lines of credit.

Starting Your Credit Journey (20:10)

In this section, you’ll learn the best steps to take when starting to build your credit. You’ll find out how to secure your first credit card, credit limits, and the best ways to use a credit card responsibly. Plus, you’ll discover the importance of tracking your credit utilization ratio and the impact of late payments.

Handling Denials (13:00)

This section covers what to do if you get denied for credit. You’ll learn the best way to handle a denial, what to do if you’re denied for a loan, and how to dispute the denial. Plus, you’ll find out when to apply for credit and what to look out for when applying.

Strategies & Management (19:57)

In this section, you’ll learn the best strategies for managing your credit. You’ll find out how to choose a credit card, the best ways to pay off debt, and how to create a budget. Plus, you’ll get an overview of the different types of debt, how to consolidate your debt, and the importance of having an emergency fund.

Bank Accounts (13:13)

This section covers the basics of bank accounts. You’ll learn the different types of bank accounts, how to open a checking account, and the importance of keeping track of your transactions. Plus, you’ll find out how to write checks, the importance of good banking habits, and how to manage overdraft fees.

Resources – Research (8:11)

This section covers the best resources for researching credit and credit cards. You’ll learn about the major credit bureaus, the importance of credit monitoring services, and the best websites for researching credit cards. Plus, you’ll find out how to compare different credit cards and the best ways to use rewards programs.

Credit Karma (8:09)

In this section, you’ll learn about Credit Karma, one of the most popular credit monitoring services. You’ll find out how Credit Karma works, how to use the service to check your credit score and credit report, and the importance of tracking your credit score. Plus, you’ll get an overview of Credit Karma’s features, such as credit score monitoring, credit score tracking, and credit report alerts.

Bonus – Free $100 (4:45)

As a bonus, you’ll find out how to get a free $100 when you sign up for Credit Karma. You’ll learn how to use the service to improve your credit score, how to use rewards programs to earn free money, and how to use Credit Karma to monitor your credit score for free. Plus, you’ll get an overview of the different types of credit cards and how to use them responsibly.

By the end of Credit 101, you’ll have a good understanding of the basics of credit, the best strategies for managing your credit, and the best resources for research. Plus, you’ll know how to use Credit Karma to monitor your credit score and how to get a free $100 when you sign up. With this comprehensive course, you’ll be ready to start your credit journey.

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Welcome to Credit 101! In this course, you’ll learn all the basics of credit and finances, from what credit is and how to get started on your credit journey, to handling denials, building strategies for credit management, and researching resources to further your knowledge.

What is Credit?

Credit is a type of loan or financial agreement between you and a lender. Credit is a form of financial exchange that allows you to borrow money in order to purchase goods or services. Credit enables you to make purchases without paying for them upfront, and it also allows you to build a credit history.

Starting Your Credit Journey

Your credit journey begins with understanding how credit works and how to best use credit responsibly. Start by learning the different types of credit, such as mortgages, auto loans, and credit cards, and how to use them wisely. Then, make sure to understand the importance of having a good credit score, as this will be key in helping you secure better terms when you apply for a loan or credit card.

Handling Denials

Unfortunately, not everyone is approved for a loan or credit card the first time they apply. If you face a denial, it’s important to understand why it happened in order to make the necessary changes to improve your chances for approval in the future. Make sure to check your credit report for any errors that could have led to the denial and take steps to address any issues in order to improve your credit score.

Strategies & Management

Developing and sticking to a credit management strategy is key to having a healthy credit score. Make sure to pay all your bills on time, keep your credit utilization ratio low, and review your credit report regularly. Also, be sure to limit hard inquiries into your credit, as this can affect your credit score.

Bank Accounts

Having a bank account can help you manage your finances, save money, and build credit. When you open a bank account, it’s important to understand what’s involved, such as any fees or restrictions that may apply to the account.

Resources – Research

When it comes to credit and finances, the more research you do, the better. Take the time to explore different resources to help you further your knowledge and make smart decisions. Keep in mind that there are many online resources available to you, such as credit unions, websites, and publications.

Credit Karma

Credit Karma is a great resource for monitoring your credit report and credit score. It’s free to join, and it provides a variety of tools to help you manage your credit, such as credit score tracking, personalized recommendations, and educational resources.

Bonus – Free $100

Take advantage of this bonus offer and get a free $100 when you sign up for Credit Karma. It’s a great way to start building your credit and learn more about managing your credit responsibly.

We hope you have enjoyed this course on Credit 101! Credit is an important part of your financial life, and we hope you have learned some valuable information to help you on your credit journey.

 

 

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