Course · Path 1 of 4

Credit Foundations

Start here. How scores work, what is on your reports, and the numbers that matter.

0 of 8 steps done · about 87 minutes of work, at your pace · Reset this path · Saved only on this device

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1. READ · ~8 minHow FICO 8 is calculatedThe five factor groups every score model starts from.Open this step →
2. READ · ~10 minFCRA explainedThe law that governs your reports and your right to accuracy.Open this step →
3. DO · ~15 minPull all three reports freeannualcreditreport.com is the official free source. Get all three before changing anything.Open the official free site (external)Your number or note (saved on this device)
4. DO · ~20 minBuild your account inventoryList every account, balance and limit in one place. Saved only on your device.Open this step →Your number or note (saved on this device)
5. READ · ~4 minUtilization, in plain languageThe ratio behind about a third of your score.Open this step →
6. DO · ~10 minRun your utilization numbersSee where each card and your total sit against the bands.Open this step →Your number or note (saved on this device)
7. READ · ~5 minHow long items stay on a reportLate payments, collections, inquiries: the real timelines.Open this step →
8. CHECK · ~15 minWork the 30-day checklistTurn the lesson into a month of concrete, ordered steps.Open this step →Your number or note (saved on this device)

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