This Credit 101 course is designed to help anyone seeking to rebuild good credit, as well as those just starting out who currently have no credit at all, or who have so-called "thin" credit files.
Unfortunately, most people in America were never taught how to establish, build and maintain a solid credit rating. We didn't learn the fundamentals about credit from our parents. And chances are, you didn't learn how to manage credit wisely in school either.
As a result, too many individuals face unnecessary and stressful credit problems. They fall into debt traps like payday loans. They mess up their credit before they know how to properly handle it. Or they find themselves getting turned down for credit because they don't have the track record to prove their credit worthiness.
If you're trying to recover from bad credit in the past, or if you're in the Catch 22 dilemma of not being able to get approved for a credit card, car loan, mortgage or other traditional loans simply because no bank, credit union or lender will take a chance on you, then this Credit 101 course is the solution to your problems.
The target audience for Credit 101 is:
* young adults who have never had credit in their own names (including high school seniors age 18 and older, college students, and recent college graduates)
* Millennials in their 20s and 30s who may have been reluctant to get some forms of credit, like credit cards, because they didn't want to get into debt or run into financial problems
* recent divorcees or widows who didn't have credit in their own names
* immigrants new to America who are trying to establish a U.S. credit rating
* anyone using cash-only (including the unbanked or under-banked) now desiring to have a good credit profile too
* people looking to rebuild good credit after having had past credit problems
Even if you don't want or need to get traditional credit or a loan, establishing or rebuilding a good credit rating can help you in many other ways.
People with good credit get more easily approved by landlords to rent apartments, homes or condos. Those with good credit ratings often pay lower car insurance rates and get to put down smaller deposits on utilities or cell phone plans. Having good credit even makes it easier for you to get hired for a new job or career, since employers are increasingly checking job applicants' credit reports.
If you're ready to get on the path to good credit health, Credit 101 is the course you need to take now!
Lynnette Khalfani-Cox,The Money Coach®, is a personal finance expert, television and radio personality, and the author of numerous books, including the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom. Lynnette once had $100,000 in credit card debt, before paying it all off in three years and turning her financial life around.
Since then, she has appeared on such national TV programs as The Oprah Winfrey Show, Steve Harvey, The Today Show, Dr. Phil, The Dr. Oz Show, The Talk and Good Morning America sharing her success story and teaching millions about proper money management, including managing credit and debt wisely.
Lynnette, an award-winning financial news journalist and former Wall Street Journal reporter for CNBC, has also been featured in top newspapers including the Washington Post, USA Today, and the New York Times, as well as magazines ranging from Essence and Redbook to Forbes and U.S. News & World Report.
Lynnette is a money expert for AARP. She can frequently be seen as a guest commentator on CNN, FOX Business Network and MSNBC.
When she's not acting like a Tiger Mom, and staying on top of her 3 kids' grades, Lynnette can be found taking a much-needed travel break on a warm beach with her amazing husband, and business partner, Earl Cox.