Complete Free Course

The CreditPath Credit Course

10 modules covering everything from credit score basics to disputing errors, with real examples, interactive quizzes, and the why behind every concept.

34 lessons ~6 hours total 100% free

Every lesson is free and open. Create a free account to track your progress and earn badges.

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Module 1

Understanding Credit

What it is, why it exists, and why it matters more than you think

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Module 2

35% of score

Payment History

The single most powerful factor: 35% of your score

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Module 3

30% of score

Credit Utilization

The quick win: 30% of your score, and the factor you control most

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Module 4

15% of score

Length of Credit History

Play the long game: 15% of your score

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Module 5

10% of score

Credit Mix

A mix of account types signals stability: 10% of your score

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Module 6

10% of score

New Credit & Inquiries

Applying for credit and hard inquiries: 10% of your score

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Module 7

Reading Your Credit Report

Your financial report card: learn to read every line

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Module 8

Common Credit Problems

Solutions for collections, charge-offs, bankruptcy, and fraud

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Module 9

Building Credit from Scratch

Starting from zero: build your credit history the right way

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Module 10

Disputing Errors Like a Pro

Know your rights and use the system that protects you