This class focuses on credit, how credit affects your personal financial situation, and how to get and maintain good credit. First you receive an overview of the term “credit” and how it is applied. Then you will understand the value of having a good credit history and situations that can have a negative impact on your credit. You will be introduced to the components of your credit profile – credit history and credit score – and how they are derived.

You will learn how to obtain a copy of your credit report, review your credit score, and create a credit plan. Strategies and actions for addressing errors on your credit report and improving your credit score are presented. Finally, the types of identity theft are discussed, along with ways to prevent and handle situations where your identity is stolen.