1. You have to start to understanding what & where your credit score is.
So, the 1st step is awareness – take stock of your current credit situation, and this means understanding everything that’s on your credit reports today. You may be surprised at what you find. Now, once you know what is on your credit report, the question is… why does it matter? And more importantly, what can be done to have the biggest impact on your score right now?
2. You need to know how credit scoring works.
You’ll learn how to interpret the 5 factors that affect your score. To see what’s holding you back from having the highest possible score, you need to know how credit scoring works. Are you doing the right things to improve your score and keep your credit score high in the future?
3. You have to understand how to deal with credit related problems.
Finally, you have to understand how to deal with any problems on your credit report. What kind of problems? Negative items like inquires, late payments, collections accounts, judgments, or even bankruptcy.
These may be reported in error. You’ll learn how to approach each negative mark based on your own report.