Confident decisions
Learn Credit
Break credit down into simple lessons, FAQs, and explainers. Learn the score levers so every move you make is intentional.
- FormatGuides · FAQs · Explain-it-like-a-friend
- Time5–10 minutes each
- GoalKnow what moves your score
- BonusInteractive cheatsheets
Credit Basics 101
Understand scores, bureaus, and the pieces that form your file.
Read now →Score factors explained
See how payment history, utilization, and age drive your score.
Read now →Know your rights
Fair Credit Reporting Act protections in plain language.
Read now →Common questions
Fast answers about freezes, disputes, hard pulls, and more.
Read now →How to use this library
Start with the basics
Learn what the bureaus track, how scores are calculated, and why utilization matters.
Bookmark the FAQs
When something happens (freeze, dispute, hard pull), you already know the next steps.
Layer deeper guides
Use score factor drills to plan your next 30, 60, and 90 day moves.
Share the knowledge
Send the guides to partners or friends so everyone is on the same playbook.