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Understanding, Rebuilding & Leveraging Your Credit Score
Your credit score is one of the most powerful financial tools you own — and most women were never taught how it works. This workshop demystifies credit from the ground up. You'll learn exactly what goes into your score, how to strategically dispute and clean your report, and how to use credit as a wealth-building vehicle rather than a debt trap. Whether you're starting at 520 or 720, this workshop meets you where you are and maps where to go.
Understand the five FICO factors and their weighted impact
Pull, read, and analyze your full credit report
Identify negative items eligible for dispute and how to dispute them effectively
Build credit strategically using secured cards, credit builder loans, and authorized user status
Understand the difference between good debt (leveraged) and bad debt (consuming)
Create a 12-month credit improvement roadmap
Learn how landlords, lenders, and employers use your credit — and how to protect your score
Busting the myths about credit: carrying a balance, closing accounts, checking your own score, and more.
Payment history (35%), credit utilization (30%), credit age (15%), credit mix (10%), new inquiries (10%) — and exactly how to influence each one.
How to read your report for errors, what can legally be disputed, dispute letter templates, and timelines.
Authorized user strategy, secured cards, credit builder loans, and the optimal utilization rate (under 9% per card).
Building your personalized credit improvement plan.
The following worksheets are completed during the live session. Preview them below, or download a print-ready PDF of the worksheets only.
Download Worksheets as PDF
Print-ready worksheet packet for this session — for participant use only. © Triverre Institute™. All rights reserved.
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