School of Credit

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• Welcome to Truegie Grade-School of Credit Lessons
• Overview of the course structure and objectivesImportance of understanding and building good credit

• Understanding what credit is
• Exploring credit cards, loans, and credit scores in simple terms
• Introducing the concept of responsible spending and borrowing

• What is a credit report and why it matters
• Exploring the components of a credit report
• Learning how to obtain and review your own credit report

• Exploring secured credit cards as a tool to build credit responsibly
• Understanding how to use secured credit cards effectively
• Emphasizing the importance of on-time payments and keeping balances low

• Introduction to credit card APRs, how they work, and their impact on finances
• Exploring balance transfers and how they can help manage credit card debt
• Understanding the benefits and strategies of setting up auto-pay and paying off the full balance each month

• How to leverage secured credit cards for credit rebuilding
• Using balance transfers strategically to improve credit utilization and lower interest rates
• Tips for maximizing rewards and bonuses to accelerate credit improvement

• Strategies for repairing a damaged credit history
• Dealing with collections and charge-offs
• Steps to negotiate with creditors and improve credit standing

• Understanding how your financial behavior affects your credit profile
• Tips for managing bank accounts and transactions effectively
• Building a strong relationship with your bank for financial stability

• Exploring the rewards and bonuses offered by credit cards
• Tips for choosing a credit card with the best rewards program and lowest fees
• Understanding credit limits and how to request increases responsibly

• The role of loans in building credit and types of loans to consider
• Tips for managing loans to positively impact credit history and score
• Building relationships with banks to access better loan opportunities

• Understanding how a credit score is determined (payment history, credit utilization, length of credit history, types of credit, and new credit)
• Exploring the impact of credit score on interest rates and financial opportunities
• Stressing the importance of maintaining good standing with banks and creditors for credit score improvement

• Understanding leverage and its role in finance
• Learning about various types of loans and their implications
• Smart borrowing and utilizing loans for financial growth

• Achieving high credit limits and loan approvals
• Building strong credit relationships with lenders
• Optimizing credit for significant life events (buying a home, starting a business)

• Recap of key lessons from all grades
• Encouragement to continue building and maintaining good credit habits
• Resources for further learning and assistance

Each grade incorporates engaging content, real-life scenarios, interactive exercises, and quizzes to make the learning process enjoyable and practical. Tailoring the course to be informative, interactive, and fun will make it unique and appealing to learners, providing them with essential knowledge and skills for mastering credit.