101: Understanding and Fixing Credit

This is part of the Destroy Your Debt course.

Destroy Your Debt

Credit can be extremely helpful or harmful depending on how it’s used. If you don’t fully understand how credit and credit scores work you can easily start to live above your means finding yourself drowning in debt. There are all types of credit and different types of loans with different interest rates. Not fully understanding credit and the risks that can come with it, you can put yourself in a bad situation. Many people do.

We want you to understand what credit is all about and teach you how to establish and build credit the right way. If you are already in some debt you can’t handle, we’ll help you whip it into shape and boost up that credit score.

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Lesson 1: How to Successfully Fix Bad Credit Once And For All

Many of us are not happy with the state of our credit. There are companies who claim they can repair bad credit. Are they real or are they a scam?

Lesson 2: How To Use a Credit Card Like A Responsible Adult

Used properly, a credit card can have all sorts of benefits. Used improperly, it can drag you into bankruptcy.  We'll teach you how to use a credit card.

Lesson 3: Join the 800 Club: Achieving the Highest Credit Score

A credit score is a 3-digit number that ranges from 300-850. It's used by financial companies to decide how likely you will pay back money they lent you.

Lesson 4: Cost of Debt: Reasons You Need a Kick Ass Credit Score

Debt affects your credit score and makes life more expensive. We'll show you the cost of debt and reasons you need a kick ass credit score.

Lesson 5: Snowballing vs. Stacking: Which Should You Use to Get Out of Debt

If you have debt, it’s time to tackle it. When it comes to methods of debt reduction, there are many options to consider. Everyone has debt, it’s how we reduce and manage it that sets us apart. But which should you use to get out of debt snowballing or stacking?

Lesson 6: The Wisdom and Pitfalls of 0% Percent APR Financing

0% APR offers can be a great thing. But if you don't understand how they work, it can cost you big time. Find out how to play the 0% APR game to win.

Lesson 7: Improve Your Credit Score in 3 Steps

If you want to improve your credit score, all you have to do is follow these three easy steps, let time do its thing, and you'll succeed.

Lesson 8: How To Pay Off Credit Card Debt

Credit card debt can be crippling. A loan shark is the only place to get such high interest charges. We'll show you how to pay off credit card debt.

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