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We focus on getting our students accelerated results to their financial goals while preparing and developing them to grow their funding from personal credit.  \nUpon completion of this class, you will:  \n Know exactly how to clean a credit report & build a 750-credit score.  \n How to acquire high-limit credit cards and hide this utilization.  \n Gain free travel & create a new stream of income.  \n Know how to leverage credit to scale your business.  \nINTRODUCTION TO CREDIT  \nBefore diving into the complexities of credit repair, it is wise to understand the basics of credit .  \nCredit is the ability to obtain goods or services before making the full payment, based on the trust that the payment will be made in the future .  \nThis eBook will go through the step-by-step process of understanding and improving your credit .  \nCredit scores are used to determine your risk factor for future loans .  \nThe three-digit score is a numerical representation that indicates how risky a borrower you are from alender’s perspective .  \nA higher credit score can help improve the terms and conditions you qualify for .  \nFor example, your credit scores impact the deals and interest you will receive when you buy a home, finance a car, rent an apartment, apply for a job, buy insurance, purchase a cell phone, or open a new credit card .  \nThe first step to credit repair is understanding how credit reporting works .  \nThe credit reporting system comprises consumers, credit bureaus, and financial companies .  \n Consumers: A person or corporation who purchases goods and services for personal or business purposes .  \n Credit Bureaus: Information about your credit cards, loan accounts, and credit inquiries are reported electronically through TransUnion, Equifax, and Experian by lenders and creditors about every 30 days .  \n These bureaus collect and store your credit information in your profile for future reference .  \n Others can review your behaviors in the future to determine your risk level .  \n A personal credit score can range between 300-850 . A credit score of 700 or above is generally considered as good .  \n A score of 800 or above in the same range is considered excellent . Most credit scores fall between  \n600 and 750 .  \n Higher scores represent better credit decisions and can make creditors more confident that you will repay your future debts as agreed .  \nHOW CREDIT REPORTING WORKS  \nTheir assumptions can impact you NEGATIVELY and determine the rates you’ll have to pay or the terms and conditions .  \nThis information can be freely used without consent to send you pre-approved offers .  \n Financial Companies: A company concerned primarily with lending money and charging interest while you pay it back .  \n Finance companies are commonly referred to as“lenders of last resort .”  \n Their rates and terms are NOT favorable as those offered by credit unions and banks because HIGHrisk consumers have to depend on them for credit .  \n Having a finance company account on your credit report could impact your score negatively .  \n Credit Reporting is a tool that can be used against you .  \nStep 1: All lenders use your credit scores to decide whether or not to offer you credit .  \nStep 2: When creditors and lenders check your credit, The most common will be with one of the Major Credit Reporting Agencies; TransUnion, Equifax, or Experian .  \n- These three agencies retain information on more than 200 million Americans .  \n- The bureau's data in your credit files is used to calculate your credit scores . Five significant factors determine your credit scores:  \n Payment History .  \n Debt Usage .  \n Age of Credit Accounts .  \n Types of A","cbCaijJUTkSOsij1","https://ap.wps.com/l/cbCaijJUTkSOsij1","pdf",3918195,42,"English","# About this ebook\n# Introduction to credit\n## How credit reporting works\n## The truth\n## What a good credit report should look like\n# Chapter 1: understanding your credit report\n# Chapter 2: structuring your credit","[{\"question\":\"What is the purpose of this ebook in credit repair?\",\"answer\":\"It provides step-by-step credit literacy to help readers understand credit reporting and improve their credit outcomes toward personal financial goals.\"},{\"question\":\"How do credit reporting agencies and lenders use credit information?\",\"answer\":\"Lenders report credit card and loan account information electronically to major credit bureaus, which collect and store it and then help determine credit scores used by lenders.\"},{\"question\":\"What factors influence a credit score according to the ebook?\",\"answer\":\"The ebook highlights key factors including payment history, debt usage, age of credit accounts, types of accounts, and number of inquiries.\"}]","DIY Credit Repair eBook - Step-by-Step Credit Literacy | PDF",1789498822]