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Financial Wellness: Building Credit

Gain the tools necessary to establish, build, repair, and maintain a good credit score.

For better or for worse, the American economy runs on borrowed money. Most of us borrow money to buy cars, homes, furniture, appliances, and a college education. The cost of borrowing money, and the amount available to borrow, often depends on our credit history and score. Not only will a good credit score increase our chances of obtaining a loan with competitive terms, but it may also be a condition of employment and/or a requirement before receiving electricity, water, cell phone, and similar services. Although we may not be born with a good credit score, we can acquire one through improvement in our overall financial health. Would-be borrowers must recognize the relationship between financial health and their credit, understand the importance of having a good credit score, and be given the tools and resources necessary to establish, build, repair, and maintain one. Similarly, financial practitioners need to recognize the obstacles borrowers face to obtaining a good credit score and understand what steps can be taken to overcome these challenges.

62 minutes
Course Exam
Certificate of Completion
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Why Lorman?

Over 34 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Agenda

The Current State of Financial Wellness

  • Financial Wellness Defined
  • The Current State of Financial Wellness and Resilience
  • The Relationship Between Credit and Financial Wellness and Resilience

Understanding Credit

  • The Importance of a Good Credit Score
  • Differences Between Credit Scores
  • How Credit Scores Are Calculated

Cleaning up Credit Reports

  • How to Get Free Copies of Credit Reports
  • Identifying and Removing Errors
  • Dealing With Delinquent Debts

Improving Credit Scores

  • Building a Positive Credit History
  • Decreasing Credit Utilization
  • Bankruptcy and Rebuilding Credit

Protecting Credit

  • Common Credit Mistakes
  • Security Freezes
  • Credit Monitoring
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More Program Information

Why Lorman?

Over 34 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Credits

OnDemand Course

This course was last revised on August 19, 2021.

Call 1-866-352-9540 for further credit information.

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

MP3 Download

This program does NOT qualify, nor meet the National Standard for NASBA accreditation.

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More Program Information

Why Lorman?

Over 34 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

Faculty

Erik Carter, J.D., CFP®

Erik Carter, J.D., CFP®

Financial Finesse

  • Senior financial planner and financial wellness coach at Financial Finesse
  • Practices in all areas of financial planning and wellness with a focus on early retirement
  • 14 years of experience in speaking and teaching financial planning concepts
  • Lead author of Financial Finesse generational research reports
  • J.D. degree, University of San Diego; B.A. degree in economics, NYU
  • Can be contacted at 347-401-3053 or [email protected]
Gregory A. Ward, CFP®

Gregory A. Ward, CFP®

Financial Finesse

  • Director, Financial Wellness Think Tank™/Financial Finesse and Vice Chair, EBRI Financial Wellbeing Research Center
  • 25+ years in financial health & wellness industry
  • Author of Calculating ROI: Measuring the Benefits of Workplace Financial Wellness (2017 SOA Call for Essays first-place winner); Financial Wellness Year in Review (annual industry-leading research on trends in financial wellness); frequent contributions to industry publications including Benefits Magazine, Benefits Quarterly, and others
  • Frequent appearances include SOA Annual Meetings, PSCA Annual Conferences, IFEBP Symposiums, and EBRI Financial Wellbeing Research Center Symposiums and Policy Forums
  • CFP® professional; B.S. degree in statistics, University of California, Davis
  • Can be contacted at 828-308-8028 or [email protected]
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More Program Information

Why Lorman?

Over 34 years and 1.4 million customers worth of experience providing continuing education. Our passion is providing you world-class training to help you succeed in business and as a professional.

All of your training, right here at Lorman.

Pay once and get a full year of unlimited training in any format, any time!


  • OnDemand Courses
  • Live Webinars
  • MP3 Downloads
  • Course Manuals
  • Executive Reports
  • White Papers and Articles

Additional benefits include:

  • State Specific Credit Tracker
  • All-Access Pass Course Concierge

Questions? Call 877-296-2169 to speak with a real person.

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Product ID: 408865
Published 2021
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Available in Multiple Formats

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