Personal Finance

Debt Management & Credit Scores

Take Control of Your Debt and Your Credit Score

12 lessons4 modules9h 0m durationbeginner level

Instructor: StretchLearn Faculty

About this course

This beginner course demystifies the FICO and VantageScore models, breaking each scoring factor into concrete actions you can take this month. You will build a real debt-payoff plan, compare consolidation and settlement options honestly, and follow a credit-rebuilding roadmap using tools like secured cards and Experian Boost. Every lesson uses real percentages, dollar figures, and worked examples so you leave with a plan, not just theory.

Curriculum

Module 1: How Credit Scores Are Calculated3 lessons

The Five FICO Factors and Their WeightsPreview45m
FICO vs VantageScore and the Three Bureaus🔒45m
Reading Your Credit Report Line by Line🔒45m

Module 2: Paying Down Consumer Debt3 lessons

Mapping Your Debt and the True Cost of Interest🔒45m
Avalanche vs Snowball: Choosing Your Method🔒45m
Consolidation, Balance Transfers, and Settlement🔒45m

Module 3: Rebuilding Credit Responsibly3 lessons

Disputing Errors and Removing Negative Marks🔒45m
Secured Cards, Credit-Builder Loans, and Reporting Tools🔒45m
The Utilization Ratio and the 30 Percent Myth🔒45m

Module 4: Habits, Protection, and Long-Term Credit Health3 lessons

Building Habits That Protect Your Score🔒45m
Emergency Funds and Breaking the Debt Cycle🔒45m
Your 12-Month Credit and Debt Roadmap🔒45m