Credit 101: How to Establish or Rebuild Good Credit

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This Credit 101 course is designed to help anyone seeking to rebuild good credit, as well as those just starting out who currently have no credit at all, or who have so-called "thin" credit files.

Unfortunately, most people in America were never taught how to establish, build and maintain a solid credit rating. We didn't learn the fundamentals about credit from our parents. And chances are, you didn't learn how to manage credit wisely in school either.

As a result, too many individuals face unnecessary and stressful credit problems. They fall into debt traps like payday loans. They mess up their credit before they know how to properly handle it. Or they find themselves getting turned down for credit because they don't have the track record to prove their credit worthiness.

If you're trying to recover from bad credit in the past, or if you're in the Catch 22 dilemma of not being able to get approved for a credit card, car loan, mortgage or other traditional loans simply because no bank, credit union or lender will take a chance on you, then this Credit 101 course is the solution to your problems.

The target audience for Credit 101 is:

* young adults who have never had credit in their own names (including high school seniors age 18 and older, college students, and recent college graduates)

* Millennials in their 20s and 30s who may have been reluctant to get some forms of credit, like credit cards, because they didn't want to get into debt or run into financial problems

* recent divorcees or widows who didn't have credit in their own names

* immigrants new to America who are trying to establish a U.S. credit rating

* anyone using cash-only (including the unbanked or under-banked) now desiring to have a good credit profile too

* people looking to rebuild good credit after having had past credit problems

Even if you don't want or need to get traditional credit or a loan, establishing or rebuilding a good credit rating can help you in many other ways.

People with good credit get more easily approved by landlords to rent apartments, homes or condos. Those with good credit ratings often pay lower car insurance rates and get to put down smaller deposits on utilities or cell phone plans. Having good credit even makes it easier for you to get hired for a new job or career, since employers are increasingly checking job applicants' credit reports.

If you're ready to get on the path to good credit health, Credit 101 is the course you need to take now!

Your Instructor

Lynnette Khalfani-Cox
Lynnette Khalfani-Cox

Lynnette Khalfani-Cox, The Money Coach®

Lynnette Khalfani-Cox, The Money Coach®, is a personal finance expert, speaker, and author of 15 money-management books, including the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom.

Lynnette has been seen on more than 1,000 TV segments nationwide, including television appearances on Oprah, Dr. Phil, The Dr. Oz Show, The Steve Harvey Show, Good Morning America, The TODAY Show, and many more.

A former financial news journalist, Lynnette now co-owns LLC, a financial education company that she runs with her husband, Earl Cox.

Together, they offer a broad range of financial education consulting and services.

As a subject matter expert on numerous personal finance topics – including credit and debt; savings and budgeting; college financing; mortgages and homeownership; as well as entrepreneurship and wealth building – Lynnette helps organizations of all kind develop and roll out high-quality financial literacy programs and campaigns.

She also creates financial education curriculum and content, and provides strategic counsel to companies, non-profits, government agencies or educational institutions that want to launch financial products, services, apps or other tools.

Before starting in 2003, Lynnette was a Wall Street
reporter for CNBC, where she covered business and personal finance news. Lynnette spent nearly 10 years at Dow Jones & Co. Inc. working as a reporter, bureau chief, deputy managing editor and personal finance editor.

Prior to her work at Dow Jones, Lynnette was a correspondent for The Philadelphia Inquirer, a writer and assistant producer for WTXF (FOX-TV) in Philadelphia, and a writer for the Associated Press in Los Angeles.

Lynnette earned her Bachelor of Arts degree in English from the University of California, Irvine. She also holds a Master of Arts degree in Broadcast Journalism from the University of Southern California.

Lynnette is a native of Los Angeles but now lives in the greater Houston area with her husband and business partner, Earl Cox.

Together, they are the proud parents of 3 children – including one recent college graduate, one current college student, and one college-bound teenager.

To learn more about Lynnette, visit her free advice site,, check out her video-based financial courses at Money Coach University, or connect with Lynnette on social media via LinkedIn, Twitter, Facebook, and Instagram.

"Easy to understand tips and suggestions, leading to a perfect credit score. I'm on my way."

- Wade C. - Student

Course Curriculum

Frequently Asked Questions

When does the course start and finish?
The course starts now and never ends! It is a completely self-paced online course - you decide when you start and when you finish.
How long do I have access to the course?
How does lifetime access sound? After enrolling, you have unlimited access to this course for as long as you like - across any and all devices you own.
What if I am unhappy with the course?
We would never want you to be unhappy! If you are unsatisfied with your purchase, contact us in the first 30 days and we will give you a full refund.

Get started now!