Course curriculum

  • 1

    Welcome to Credit Repair

  • 2

    Breaking Down the Basics

    • What is Credit?

    • Easy Vocab

    • A Brief Background

    • 5 Key Factors that affect your FICO Score

    • Key Factors that affect your Fico Score cont.

    • FICO 08

    • A Recap

    • A Quiz on the Basics
  • 3

    Strategies to Begin your Credit Repair Journey

    • Easy measures to Improve your Score

    • Chapter Goals

    • The Impact of COVID 19 on your Credit

    • Add a Positive Reporting Tradeline

    • Purchase a Lender account

    • Report Bills to Credit Bureaus

    • Receive Updates Instantly

    • A Quick Quiz
  • 4

    Correcting your Credit the right way

    • Start with your Credit Report

    • Delete Inaccurate Information

    • Review Credit Accounts

    • Investigate your Inquiries

    • Cover Collections and Records

    • A Rapid Review

    • A Corrections Quiz
  • 5

    The Dispute Process

    • Credit Repair Requires Patience

    • Identity Theft Exists

    • Start with Personal Information

    • Dispute Fraudulent Hard Inquiries

    • Dispute Negative Accounts

    • Dispute Collection Accounts

    • Remove Outdated Accounts

    • Remember to follow up your disputes

    • A Credit Repair Quiz
  • 6

    Fix your Score without Disputes

    • Pay Bills on Time

    • Lower your Debt

    • Keep Revolving Accounts

    • Apply with Caution

    • Gain Credit History

    • Helpful Credit Cards & Healthy Utilization

    • Activate a Credit Freeze

    • Pre-Approved Credit Cards

    • Debt @ a Discount

    • A Quiz on Alternatives to Disputes
  • 7

    Credit Myths Busted

    • Myth 1 : Closing Accounts will Help your Score

    • Myth 2: Lowering Credit Card limits boosts your score

    • Myth 3: Checking your Report hurts your score

    • Myth 4: Your Score Decreases when Comparing Rates

    • Myth 5: You can increase your score without using credit

    • Myth 6: To have a good score you have to pay interest

    • Myth 7: Personal Statements Increase Dispute Approvals

    • Myth 8: Accounts must read "Closed" to Improve your score

    • Myth 9 : Credit Counseling fixes everything

    • Myth 10 : You can't get Credit after filing for bankruptcy

  • 8

    Breaking down Bankruptcies

    • Filing Bankruptcies

    • Avoid Collapse

    • Other options

    • A Bankruptcy Exam
  • 9

    The effect of Credit on your Insurance

    • Using Credit Scores to Price Premiums

    • An Insurance Credit Score

    • Control Insurance Costs

    • Control Insurance Costs cont.

    • An Insurance Evaluation
  • 10

    Credit Repair Recap

    • Make a plan

    • Know your rights

    • Prevent Identity Theft

    • The Keys to Credit Health

    • The Don'ts of Credit Repair

    • A Repair Recap

    • Thank you from Luxuria Learning

Bonus material

Additional content added to each course curriculum

  • Interactive Quizzes

    Review each chapter with a multiple-choice quiz. Either true or false, one or multiple answers, each questionnaire is designed to provide an extra layer of reinforced financial literacy.

  • Unlimited Access to Content

    Course chapters, quizzes and completion are not on a time limit. Ease yourself into chapters slowly or speed through material based on your current knowledge base.

  • Discussion rooms

    Have questions, comments or concerns? Leave your thoughts in discussion rooms included in specific chapters! View forum history and learn strategies best suited for your credit profile