lesson-one
Module 1: Assessing the Damage
Understanding Your Current Credit Situation
Rebuilding credit starts with facing the truth—no guessing or assumptions. You can’t fix what you can’t see. The first step toward credit recovery is to assess the damage honestly and strategically.
Start by pulling your credit reports from Experian, Equifax, and TransUnion. Use AnnualCreditReport.com for free annual access. Once you have them, highlight negative accounts, open accounts, and personal info errors.
Create a Credit Recovery Tracker to organize all accounts, balances, and actions. This will guide your rebuild journey, helping you decide what to dispute or pay down first.
Lastly, set up credit monitoring using tools like Credit Karma or myFICO to track your progress.
🎓 Complete the video above to unlock the quiz.