Resources
Free tools to understand your credit
Start here. These references cover the fundamentals the workbook builds on.
Credit score range
742
- Poor
- 300–579
- Fair
- 580–669
- Good
- 670–739
- Very good
- 740–799
- Excellent
- 800–850
What moves your score
- Payment history35%
- Amounts owed30%
- Length of history15%
- New credit10%
- Credit mix10%
Guides
Short reference guides
Credit report checklist
The exact items to verify in each of the four report sections before you apply for anything.
Utilization calculator walkthrough
How to compute your reported utilization and the timing trick that lowers it in one cycle.
Credit glossary
Plain-language definitions for the 40 terms that show up most on reports and loan documents.
Free download
10 Credit Myths That Are Costing You Money
A free 12-page guide that corrects the most expensive misunderstandings about credit — from closing old cards to carrying a balance "to build history."
Ready for the full curriculum? Explore the workbook