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.
Every lesson is free and open. Create a free account to track your progress and earn badges.
Module 1
Understanding Credit
What it is, why it exists, and why it matters more than you think
Module 2
35% of scorePayment History
The single most powerful factor: 35% of your score
Module 3
30% of scoreCredit Utilization
The quick win: 30% of your score, and the factor you control most
Module 4
15% of scoreLength of Credit History
Play the long game: 15% of your score
Module 5
10% of scoreCredit Mix
A mix of account types signals stability: 10% of your score
Module 6
10% of scoreNew Credit & Inquiries
Applying for credit and hard inquiries: 10% of your score
Module 7
Reading Your Credit Report
Your financial report card: learn to read every line
Module 8
Common Credit Problems
Solutions for collections, charge-offs, bankruptcy, and fraud
Module 9
Building Credit from Scratch
Starting from zero: build your credit history the right way
Module 10
Disputing Errors Like a Pro
Know your rights and use the system that protects you