Learn How Your Credit Score Affects Your Life In 5 Key Areas

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Understand. Take Action. Reduce Stress.

Your credit determines your financial life… your credit score is used by lenders almost exclusively to determine what you will pay for a loan.

It doesn’t matter if you have money in the bank or a well-paying job.

If your credit score isn’t excellent then you will pay a huge penalty on a mortgage, refinance, auto loan, credit cards, or any other type of loan.

How much more? Take a look below.

* Calculated based on a 4 yr $25,000 car loan and a 30yr $300,000 mortgage.
December 2014 rate information from Bank rate.

Good Credit Can Help You Save Money

Over your lifetime the cost of higher interest rates can really add up.

That’s money paid out to lenders that you could use to live a better life – take more vacations, cover college education costs for your children, live in a bigger house, drive a nicer car, or invest the savings for retirement.

And it’s even worse if you have bad credit, considered by lenders to be anything below 620. It’s extremely difficult to get a mortgage, car loan, or a credit card at all with a credit score below this mark.

Luckily there are steps you can take to improve your credit – and in many cases improvement can be seen relatively quickly3 when you have the right education to guide you.

About The Credit Solution Program

Mike Roberts is the founder of the Credit Solution Program.

He has seen how important understanding credit has been in improving his own life. And because of this Mike has dedicated himself to teaching others how to improve their lives by raising their credit score and taking control of their personal finances.

The Credit Solution Program is a unique system that aims to educate with engaging videos that are both informative and fun to watch. The content on the site and in CSP products is created by Mike Roberts and a team of subject matter experts.

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What Steps Will You Take With The Credit Solution Program?

1. You have to start to understanding where your credit score is?

So, the 1st step is awareness – take stock of your current credit situation, and this means understanding everything that’s on your credit reports today. You may be surprised at what you find. Now, once you know what is on your credit report, the question is… why does it matter? And more importantly, what can be done to have the biggest impact on your score right now?

2. You need to know how credit scoring works?

You’ll learn how to interpret the 5 factors that affect your score. To see what’s holding you back from having the highest possible score, you need to know how credit scoring works. Are you doing the right things to improve your score and keep your credit score high in the future?

3. You have to understand how to deal with problems

Finally, you have to understand how to deal with any problems on your credit report. What kind of problems? Negative items like inquires, late payments, collections accounts, judgments, or even bankruptcy.
These may be reported in error. You’ll learn how to approach each negative mark based on your own report.

What Happens When You FollowThe Credit Solution Program?

We train you on the importance of credit.

Here we lay the foundation, so that you have the proper mindset to continue. This is not just about money either, employers, landlords, and insurance companies all use your credit score to make decisions that can have a big impact on your life.3, 4, 5

According to MSN Money personal finance columnist Liz Pulliam Weston in her 2011 National Best Seller “Your Credit Score” – a series of small mistakes with credit can add up to $2M due to high interest rates over a lifetime.

And there is more that happens once you really understand what a great score is worth.

Understand what factors affect your score

Do you know all the factors that go into calculating a credit score? When you understand the 5 factors that are used to determine your score, you are able to begin working on each to improve your score.*

Most people with great credit have no idea how it got that way. So even if you have great credit already, this is a lesson you will not want to miss if you plan on keeping your credit high in the future.

Learn to interpret your credit report

You will learn where to get your credit reports and scores online, and how to understand each section of your report.

We will walk you through an exercise to classify any negative items according to the CSP system. This provides the framework from which you will form a personalized action plan.

Many people are confused about how to understand each section of a credit report. It’s no surprise really… did you know that if you have a lengthy credit history, your report can be over 20 pages long?

Understanding how to interpret all of this information about you is the first step toward improving it.

Regain control over your finances

In the past 3 years, we have provided education to over 1.2 million people about credit and financial health topics. Over that time, we have received many tens of thousands of blog comments and support emails from visitors to this site. Because of this, we have an in depth understanding of the variety of problems that you may be facing with your credit.

Find out how to deal with late payments or accounts that have gone to collections. You will learn how to evaluate your options for any debts that you have outstanding, and how each choice may affect your credit score. You’ll also learn what actions are the most important if you want to qualify for a loan in the near future.

Shape your actions to keep your score up

It’s frustrating to most people when they find out that just paying bills on time is not enough to insure that you will have an excellent credit rating. The credit scoring model is looking for a responsible use of credit, and while paying bills on time is a big part of that – it’s not enough.

What is the proper way to structure your credit history going forward?

Yes, in order to have the highest possible score, you have to actually plan out a strategy that the credit scoring model views as low risk. This means having the right number of credit cards and mix of credit types. We’ll show you how to use your credit effectively in order to score well.

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* There’s no guarantee of specific results. Results may vary.

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The Credit Solution Program has been perfected by over 3 years of combined research and customer feedback. The result? Our one of a kind home study course to assist you in raising your credit score, getting out of debt, and living your life in financial health.
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Peer-reviewed research references
1. Federal Reserve Citation: Board of the Governors of the Federal Reserve System, “Report to the Congress on Credit Scoring and Its Effects on the Availability and Affordability of Credit,” Page 133, August 2007
2. The Independent Review, “Credit-Information Reporting,” Volume 5, Issue 3, Page 326, Winter 2001
3. The Journal of Consumer Affairs, “Credit Scoring and its Effects on the Availability and Affordability of Credit,” Volume 43, Number 3, Page 516, Fall 2009
4. Federal Trade Commission, “Employment Background Checks,” ftc.gov, February 2013
5. Federal Trade Commission, “How Credit Scores Affect the Price of Credit and Insurance,” consumer.ftc.gov, September 2013