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Credit Score Increase

Updated: Jul 29, 2023

Workshop Series Syllabus and General Information


Register Here for the upcoming workshop series beginning Saturday, July 29th at 10AM.


Objective: By the end of this workshop series the participant will:

  1. Increase their credit score

  2. Develop a monthly budget

Materials Needed:

  • A copy of your credit report. You can get your free copy here or here.

  • The last 2-3 months of bank statements from your primary bank account.

  • Most recent credit card statement for each card.

  • Notebook, Highlighters, Pen, Electronic Device

Overview:

Over a 90 day period of time, you will be able to increase your credit score, if you are serious about it. We will put into work common strategies to “shock” your score: decrease utilization, paying more than the minimum balance, paying on time, etc.


I utilize Credit Karma with my clients as a quick reference for checking scores and open accounts. However, when it comes to accuracy, getting a copy of your report utilizing the sources I provided is most accurate. Obtain your free credit report from annualcreditreport.com


Why do I ask for your bank statements? Your bank statements are important because it allows you to truly assess where you spend your money and how much money you have available to paying off debt beyond your monthly minimums. If you are making the minimum payment, great. However, do you have an additional $20 to contribute to that account?


Questions to consider:

  • Do you know the interest rate for your credit card(s)?

  • What do you use your credit cards for?

  • Do you have any accounts in collections?

 

Workshop Session 1 - 90 Min

  • Brief overview of Credit

  • What to take notice of on your Report

  • Analyze spending by reviewing Bank Statements

  • Build Individual Strategy for: 1) Increasing your score 2) Creating or improving your monthly budget.

Workshop Session 2 - 60 Min

  • Goal Accountability

  • If needed, tweak your monthly budget.

Workshop Session 3 - 60 Min

  • Goal Accountability

  • If needed, tweak your monthly budget.

Workshop Session 4 - 90 Min

  • Celebrate your wins and losses!

  • You should have reached the 640 score goal.

  • Continue to have accountability for your finances.

  • Consider purchasing your first property.


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