101: Understanding and Fixing Credit

This is part of the Destroy Your Debt course.

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 Fix Bad Credit and Get Back on Track

The most expensive things in life are taxes and interest. If you don’t have a good credit score, life is expensive. Let us show you how to fix bad credit.

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: The Highest Credit Score: What It Is and Easy Ways to Increase It Today

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: A Good Credit Score Saves You Money and Here’s How [UPDATED]

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 Zero APR Credit Cards

If you have credit card debt or are planning to make a large purchase soon, a 0 APR credit card can be a great tool to save money on interest charges.

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: Poof! Credit Card Debt Begone!

Credit card debt will cripple you. But you can escape credit card hell. It won’t always be easy or fast, but if you take the right steps, you can do it.

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