Course Description

Establishing and Maintaining Great Credit is No Longer A Choice, But A Necessity.

With employers, utility companies, insurance firms, cell phone providers, lenders and many more entities relying heavily on our 3 digit scores when making decisions on if, when or how to grant us services; it's imperative that we learn the proper steps to increase our scores and strengthen our credit profile - permanently!.

In this course, we will break down the credit repair process into 9 easy to follow steps that will detail how to Repair, Restore, Rebuild & Transform your credit scores!

Included are step-by-step videos instructions, slides, worksheets, dispute letter templates, screenshot examples, and downloadable action guides, checklists and more to ensure the road to Soaring Your Credit Scores is as Simple, Understandable and Thorough as possible. You'll be able to start utilizing the strategies outlined in this course immediately after completing the first section of this course.

Ready to Rock Your FICO? Let's GO!!!

Financial Educator

Netiva Heard

Netiva "The Frugal CrediTnista" is a Financial Educator, Certified Credit Counselor, Personal Finance Coach, IL Realtor & Owner of MNH Financial Services, LLC!She has a Masters in Business Management & Finance and several certifications in the Credit, Finance and Real Estate Industry.For over 10 years, she has been assisting consumers in Destroying their Debts, Growing their Money and Soaring their Credit Scores.Empowering, educating and equipping consumers with the tools and resources they need to Transform Their Finances is both her purpose and passion. She is committed to delivering up-to-date, quality and factual financial information that will positively impact the finances of households across the country.

Course curriculum

  • 1

    Limit of Liability/Disclaimer of Warranty

    • Limit of Liability/Disclaimer of Warranty:
  • 2

    Let's Get Rockin'!!!

  • 3

    Understanding the Basics

    • 1 - Introduction

    • 2 - Understanding Credit Reports

    • 3 - How to Get A Free Copy of Credit

    • 4 - Understanding Credit Repair

    • 5 - Know Your Consumer Rights

    • Copy of the Fair Credit Reporting Act

    • Let's Rock!
  • 4

    Let's Recap!

    • Brief Overview from Understanding the Basics

    • Your Main Objectives
  • 5

    Your First Step, YAY!!!

    • Step #1

    • Where to Pull Reports & Scores

    • Download Step 1 Slides
  • 6

    Breaking Down Your Credit Reports - Part 1

  • 7

    Step Two

  • 8

    Breaking Down Your Credit Reports - Part 2

    • Credit Tradelines & More!

      FREE PREVIEW

    • Understanding Your Account Information (aka Credit Tradelines)

    • Understanding Public Records, Inquiries, Consumer Statements

    • Identifying Errors

    • Steps to Take if You Believe You Are A Victim of Identity Theft

    • How to Read Your Credit Reports - Downloadables
  • 9

    Step Three

    • Identify & Rank

    • Negative Accounts Worksheet (Excel)

    • Statute of Limitations (SOL) By State

    • List of Common Errors Found on Credit Reports

    • General Rule of Thumb

    • Download Step 3 Slides
  • 10

    Planning Your Dispute Strategy - Part 1

    • Plan Your Strategy

    • Plan Your Strategy - Downloadables

    • Disputing Flowchart
  • 11

    Step Four

    • Pick & Choose!
  • 12

    Planning Your Dispute Strategy - Part 2

    • Original Creditors

    • Original Creditor Dispute Action Guides -- Late Payments, Charge Offs, Foreclosures, Repossessions

    • Collection Agencies

    • Collections Dispute Letters, Downloadables & Action Guides

    • Public Records

    • Public Record Action Guides & Downloadables
  • 13

    Step Five

    • Prime Time for Disputing Time!

    • Advanced Dispute Letter Package

    • General Disputes Verbiage

    • Download Step Five
  • 14

    FICO - Demystified & Step Six

    • FICO - History

    • FICO - Payment History

    • Delinquencies and Your Credit Scores

      FREE PREVIEW

    • Step Six - Pay On Time

    • Step Six - Review Your Positive Info

    • Step Six - Open Positive Accounts/Rebuild

    • FICO - Amount Owed

    • Step 6 - Amount Owed

    • FICO - Length of Age

    • Step Six - Increase Your Age

    • FICO - New Credit

    • FICO - Credit Mix

    • Credit Mix & New Credit Takeaways

    • My FICO Guide
  • 15

    Responding to Responses - Step Seven

    • Responding to Responses

    • 2nd Round of Disputes - General Rule of Thumb

    • Step Seven

    • Action Guide - Responding to Responses
  • 16

    Dispute Boss!

    • Advanced Tactics - Credit Bureaus

    • Method of Verification (MOV) - Examples

    • Bureau Addresses for Address Shuffle Method

    • Advanced Dispute Tactics - Collection Agencies

    • Letters - Knock Out, Estoppel, 609 Letter Package

    • Advanced Tactics - The Next Level

    • Tips for Filing A Complaint

    • Other Advanced Credit Tip - Use Case Law

    • FTC Staff Opinion Letters On The FCRA

    • FTC Staff Opinion Letters On The FDCPA

    • What to do if A Deleted Item is Reinserted
  • 17

    Step Eight

    • EIGTH TASK

    • Who Can You Sue and What Can You Sue For?

    • Remove the “In Dispute” Code

  • 18

    Step Nine

    • Ninth Task

    • The Frugal CrediTnista's Picks
  • 19

    BONUS CONTENT: Other Consumer Reporting Agencies

    • The 4th Credit Bureau

    • ChexSystems/Telecheck Action Guide

    • ChexSystems & Telecheck -- Contact Information

  • 20

    BONUS CONTENT: Requirements to Getting Approved with FHA, VA, USDA, Conventional Financing

    • Intro

    • FHA Minimum Approval Guidelines

    • FHA Rehab Loan - 203K Minimum Approval Guidelines

    • Conventional Minimum Approval Guidelines

    • VA Minimum Approval Guidelines

    • USDA Minimum Approval Guidelines

Reviews

5 star rating

Rock Your FICO is the BOMB!!!

Keesha Williams

This course was so helpful in breaking down all of the aspects of improving your credit. Netiva shows you not only the best techniques when disputing, but a...

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This course was so helpful in breaking down all of the aspects of improving your credit. Netiva shows you not only the best techniques when disputing, but also the LEGAL way of handling negative accounts on your reports. Netiva kept my attention throughout the entire training and you get the sense that you are right in the classroom with her. I am going into Credit Repair and this will serve as an awesome guide for me and my future clients.

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