Course curriculum

  • 1

    Welcome to Credit Leveraged Lifestyle

    • Welcome to CLL (Credit Leveraged Lifestyle) with Terri Couser

    • What is Credit?

  • 2

    Why Credit is Important

    • Credit Impacts Multiple Areas of Your Life

    • Having Bad Credit is Expensive

    • Leverage Credit to Build Wealth

    • Window of Opportunity

    • Ready to Buy a Home

    • Budget Worksheet

    • Home Buyer Milestone Map

    • Spending Tracker

    • Financial Well Being Scale (CFPB)

    • Shopping for a Mortgage

    • HELOC Brochure

    • Debt Log

  • 3

    Reporting

    • Credit Reports and Where to Obtain a Copy of Your Report

    • Consumer Disclosure vs Tri-Merge Reports

    • Credit Reporting

    • Request Form

    • Free Credit Reports (FTC Guide)

    • Once A Year

    • 7 Years

  • 4

    Types of Credit

    • Installment and Revolving Credit

    • Credit Builder Accounts

  • 5

    Understanding Your Credit Report

    • Public Records

    • Types of Public Records

    • Consumer Statements

    • Personal Information

    • Positive & Negative Accounts

    • Hard & Soft Inquiries

    • Equifax Investigation Request

    • Experian Investigation Request

    • Trans Union Investigation Request

    • Sample Report (Equifax)

    • Sample Report (Trans Union)

    • Sample Report (Experian)

    • Credit Report Guide

    • Glossary of Terms

    • Lexis Nexis Request Form

  • 6

    Credit Scores

    • What is a Credit Score

    • Types of Credit Scores

    • Understanding Your Credit Score

    • Rebuild Credit

  • 7

    Credit Monitoring

    • Credit Monitoring

    • Free Credit Monitoring

    • Credit Karma

  • 8

    Credit Utilization Ratios

    • Utilization Ratios

    • How to Improve Your Credit Utilization Ratios

  • 9

    Debt-to-Income Ratios

    • Your Debt-to-Income Ratio

    • Debts Included in Your Debt-to-Income Ratio

    • Your Income

  • 10

    Student Loans

    • Student Loans

    • Student Loan Options

  • 11

    Negative Credit

    • Negative Credit

    • Bankruptcy

    • Foreclosure/ Repossessions

  • 12

    Credit Disputes

    • Fair Credit Reporting ACT (FCRA)

    • FCRA Overview

    • Credit Disputes

    • Reinvestigation

    • Data Furnishers

    • PUSH

    • Know Your Rights

    • FCRA Summary

    • Credit Checklist & Sample Letter

    • Sample Dispute Letter

    • SMART Goals template

    • FTC Statement (Credit Repair Notice)

    • Disputes Letter (Templates)

    • Mistakes on Credit Card Bill

  • 13

    Collections

    • Collections: Charge Off or Settlement

    • Medical Collections

    • Debt Validation

    • Hard Inquiries

  • 14

    Business Credit

    • Intro to Business Credit

    • Transition to Business Credit

    • Business Credit (The Basics)

    • Benefits of Business Credit

    • Types of Business Credit

    • Business Credit Mindset

  • 15

    Course Walk-Thru: Personal & Business Credit

    • Personal & Business Walk-Thru: Audio Slides

  • 16

    Business Credit Building

    • Looking "Fundable"

    • Business Addresses

    • Establishing Credibility

    • Business Bank Accounts (You MUST Have This!)

    • The Business Credit Bureaus

    • The Three "C's" of Business Credit

    • Collateral for Business Credit

    • Collateral Funding Options

    • Leveraging Personal Credit for Business Funding

    • Using Vendor Accounts to Build Business Profiles

  • 17

    You Did It!

    • Congratulations