Hi, I'm Tressa Carliss
I am a dedicated coach who loves educating people and debunking myths surrounding how they handle money. I discovered my love for coaching as a trainer in which I have over 7 years of experience. Discover the tools and techniques that my clients and I have used to create a future that we desire.
Getting the Run Around When It Comes to Your Credit Report & Score?
Endless do's and don'ts.
Fragmented tips and tricks.
What can be reported? What can't be reported? What protections do consumers have? Can late payments be reported?
What do I need to know for an ENJOYABLE and REWARDING credit report?
You need to know the BASICS!
Understanding how your credit directly impacts your daily life can be confusing because of the misconstrued, one-size-fits-all advice you're getting such as:
- Late payments can't be reported (they can).
- I don't have to pay if an item is removed from my credit report (you do).
- I can't pay my credit card off completely each month (you can).
- I have to pay someone to fix my credit (you don't).
- Accurate items can be removed from my credit report (legally, they can't).
Not only is this advice inaccurate, but the laws have also been twisted to make you think sending a letter can resolve ALL of your problems.
In order to resolve any current financial issues and prevent new ones from happening (or at least knowing what to do when they happen), you must learn the basics of money management and how to use it to obtain a credit score that you can leverage.
Understanding the basic principles will empower you for long term enjoyment of your finances.
This masterclass has been separated into 6 parts which each new lesson building on the ones before it.
- Part 1 Gets you started by helping you to understanding credit repair, credit scores and how they affect your life.
- Part 2 shows you how you can reduce credit damage when you (and you will) experience major setbacks.
- Part 3 shows you how to build your credit for the first time or rebuild. If you are preparing for a wedding or maybe going through a divorce, this section provides everything you need to get through any major milestone in your life.
- Part 4 will help you to make sense of your credit report and your score. Learn how to read your credit report like the lenders do.
- Part 5 will guide you in successfully managing your credit for the duration of your life. This section is one of the most valuable parts of the masterclass as it teaches you how to safeguard your credit by creating a spending plan.
-
Part 6 provides you with everything you need to be fully armed with knowledge and ready to take on anything your credit or others have to throw at you. Learn about your protections, options you have for student loans and how to handle a mortgage and keep your home from being foreclosed on.
Your Credit Report
Your credit report is an important part of your financial life and can determine whether you can get credit, how good or bad the terms will be and how much it will cost you to borrow money.
Your credit report is a summary of your personal credit history and includes identifying information such as your address and DOB along with information about your credit history such as how you pay your bills and if you filed for bankruptcy.
Your Credit Score
Your credit score is a three-digit number that lenders use to help them when deciding on extended you credit for a loan, a mortgage, a credit card or some other line of credit, and the interest rate that you receive. This score is a picture of you as a credit risk to the lender at the time of your application. Scores range from 300 to 850 and when it comes to locking in an interest rate, the higher your score, the better the terms of credit you are likely to reciv
What's Inside!
Part 1: Getting Started
Available in
days
days
after you enroll
Chapter 1: Understanding Credit Repair, Credit Scores and Your Life on Credit
Available in
days
days
after you enroll
- Intro (2:50)
- Settling Debts (3:58)
- Using a cosigner or becoming an authorized user (1:50)
- Locate Sources of FREE help (1:26)
- Dealing with collectors (1:04)
- Weathering a Major Crisis/Mortgage Meltdowns (5:01)
- Medical Debts/Student Loans/ Car Loans (1:26)
- Understanding Diversity in Credit (1:03)
- Filing Bankruptcy (2:10)
- Protecting your credit and identity/Getting familiar with credit laws
- Receiving free reports and filing disputes/Signing up for credit montoring
- Setting alarms, alerts, and freezes
- Maintaining Good Credit Throughout Life/Establishing credit for the first time
- Making credit changes at life’s stages
- Avoiding pitfalls
- Managing Credit in Today’s Unforgiving Economy/Planning for success
- Reviewing your credit report
- Knowing your credit score
- Considering credit a renewable resource
Chapter 2: Turning Your Credit Around (the right way)
Available in
days
days
after you enroll
- Intro
- How Your Actions Impact Your Credit Score
- Using A Cosigner to Raise Your Score
- Turning Small Purchases into Big Credit
- Why some creditors don’t report to the credit reporting agencies
- Maximizing Your Credit Score with Major Expenditures
- Leveraging your mortgage/Lines vs. Loans
- Financing Your Car/Pros and Cons of Leasing
- Paying Back Student Loans
- Understanding How Good Debt Builds Credit
- Selecting the Best Tools for Building Your Credit
Chapter 3: Cleaning Up Your Credit Reports
Available in
days
days
after you enroll
- Intro
- Understanding the True Value of Good Credit
- Be Cautious When Dealing with Credit Repair Companies
- Reviewing Your Reports for Problems
- Using the Law to Get Your Credit Record Clean and Keep It That Way
- Identifying and Disputing Inaccurate Information
- Adding Positive Information to Your Credit Report
- Chapter Resources
Chapter 4: Getting the Best Help for Bad Credit for Free
Available in
days
days
after you enroll
Chapter 5: Coping with Debt Collection
Available in
days
days
after you enroll
- Intro
- Handling Those Collection Phone Calls
- Taking Charge of the Collection Process
- Help for Military Personnel
- Identifying Escalation Options That Help
- Communicating with Customer Service Before Being Placed for Collection
- Keeping Collectors in Check
- Freeing Up Money to Pay a Collector
- Avoiding Collectors Altogether
- Chapter Resources
Chapter 6: Working with Collectors, Lawyers, and the Courts to Manage Debt Obligations
Available in
days
days
after you enroll
Part 1 Group Discussion
Available in
days
days
after you enroll
Part 2: Reducing Credit Damage from Major Setbacks
Available in
days
days
after you enroll
Chapter 7: Reducing Credit Damage in a Crisis
Available in
days
days
after you enroll
- Intro
- Assessing the Damage from a Mortgage Meltdown
- Understanding How Mortgages Differ from Other Loans
- Knowing Where to Turn to for Help
- Alternatives to Going Down with the Ship/What to do first
- Dealing with Deficiencies
- Preparing for “Credit Winter”
- Curing Medical Debt
- Managing Student Loans
- Avoiding Car Repossession
- Coping with So-Called Acts of God and Other Things That Are Not Your Fault
Chapter 8: Filing for and Recovering from Bankruptcy
Available in
days
days
after you enroll
Chapter 9: Repairing Credit Damage in The Wake of Identity Theft
Available in
days
days
after you enroll
Part 2 Group Discussion
Available in
days
days
after you enroll
Part 3: Rebuilding Credit, No Matter Where or When You Begin
Available in
days
days
after you enroll
Chapter 10: Starting or Restarting Your Credit in Real Life
Available in
days
days
after you enroll
- Intro
- Debunking Misinformation about Banking and Credit
- Building From Checking to Credit to a Business
- Recognizing What's Not in Your Credit History
- Obtaining Credit: Starting Out on the Right Foot
- Overcoming Credit Fears and Mistakes
- Qualifying for First-Time Cards and Lending
- Considering Credit for Students and Military Members
Chapter 11: Ending Life’s Negative Credit Surprises
Available in
days
days
after you enroll
Chapter 12: Protecting Your Credit During Major Life Challenges
Available in
days
days
after you enroll
- Intro
- Tying the Knot in Life and in Credit: A Couples’ Guide to Building Good Credit
- Protecting Your Finances in a Divorce
- Keeping Credit Strong While Unemployed
- Protecting your credit lines
- Curing Medical Debt
- Resolving Credit Issues After the Death of a Spouse or Partner
- Fitting Credit into Retirement
Part 3 Group Discussion
Available in
days
days
after you enroll
Part 4: Making Sense of Credit Reporting and Scoring
Available in
days
days
after you enroll
Chapter 13: Discovering How Credit Reporting Works
Available in
days
days
after you enroll
Chapter 14: Understanding Credit Reports and Scores
Available in
days
days
after you enroll
- Intro
- Getting Copies of Your Credit Reports
- Who Else Has Access to Your Report
- Tracking Down Specialty Reports: From Apartments to Casinos to Prescriptions
- Perusing Your Credit Reports
- When Credit Information is Deleted
- Equifax Credit Report Version
- Experian Credit Report Version
- TransUnion’s Credit Report Version
- Your Optional 100-word Statements: Making Sure Your Voice is Heard
- What’s Not in Your Credit Report
- Correcting Any Errors You Find
- Getting and Understanding Your Credit Scores
- Chapter Resources
Chapter 15: Monitoring Your Credit Reports and Scores
Available in
days
days
after you enroll
Part 4 Group Discussion
Available in
days
days
after you enroll
Part 5: Successfully Managing Your Credit for Life
Available in
days
days
after you enroll
Chapter 16: Putting Yourself in Control of Your Credit
Available in
days
days
after you enroll
Chapter 17: Taking a Sustainable Approach to Your Credit
Available in
days
days
after you enroll
Chapter 18: Safeguarding Your Credit with a Spending Plan
Available in
days
days
after you enroll
- Intro
- Appreciating the Benefits of a Solid Spending Plan
- Deciding on Goals: Imagining Your Future as You Want It to Be
- Building Your Vision of Your Future
- Step 1: Counting your income
- Step 2: Tallying what you spend
- Step 3: Making savings part of your plan
- Step 4: Managing your credit to improve your spending plan
- Step 5: Looking at your insurance options
- Step 6: Planning for the IRS
- Step 7: Planning for retirement
- Compounding Interest: Investing for the Future
- Are You an Average Spender?
- Using Cool Tools to Help You Build and Stick to a Spending Plan
- Adjusting Your Priorities and Your Plan
- Chapter Resources
Chapter 19: Understanding Equity and Diversity and Credit
Available in
days
days
after you enroll
Chapter 20: Knowing Your Rights to Protect Your Credit
Available in
days
days
after you enroll
- Info
- Why You Have the Right to Credit Protections
- The CARD Act: Shielding You from Credit Card Abuse
- The Consumer Financial Protection Bureau: The New Cop on The Financial Beats
- Safeguarding Your Credit Data Through the FACT Act
- The FDCPA: Providing Protection Against Debt Collectors
- The CROA: Getting What You Pay For
- Exploring Other Protections
Chapter 21: Protecting Your Identity
Available in
days
days
after you enroll
Part 5 Group Discussion
Available in
days
days
after you enroll
Part 6: The Part of Tens
Available in
days
days
after you enroll
Chapter 22: Ten Consumer Protections Everyone Needs to Know
Available in
days
days
after you enroll
- Intro
- The Fair Debt Collection Practices Act
- The Bankruptcy Abuse Prevention and Consumer Protection Act
- Your Lawyer
- Coronavirus Aid, Relief, and Economic Security (CARES) Act
- Statute of Limitations Laws
- Your State Attorney General
- The Consumer Financial Protection Bureau
- The Credit Card Accountability, Responsibility, and Disclosure Act
- The Fair and Accurate Credit Transactions Act
- The Federal Trade Commission
Chapter 23: Ten Strategies for Dealing with Student Loans
Available in
days
days
after you enroll
- Intro
- Knowing How Student Loans are Reported Differently Than Other Loans
- Dealing with the Collection Process
- Identifying the Best Repayment Option for Your Situation
- Taking Your Loans to Bankruptcy
- Dealing with the Prospect of Default
- Gaining Student Loan Forgiveness
- Lowering Your Bill While You’re in School
- Keeping Up with Your loans After You’re Out
- Setting limits During the Planning and Application Process
- Getting Help if You’re in the Military
Chapter 24: Ten Ways to Deal with a Mortgage Meltdown
Available in
days
days
after you enroll
- Intro
- Knowing When You’re in Trouble
- Knowing How Your State’s Laws Treat Foreclosures
- Deciding Whether to Stay or Go
- Tightening Your Spending to Stay in Your Home
- Prioritizing Your Spending to Build Cash
- Lessening the Damage to Your Credit
- Knowing Who to Call
- Beware of Scams
- Beefing Up Your Credit
- Consulting an Attorney
Part 6 Group Discussion
Available in
days
days
after you enroll
Congratulations
Available in
days
days
after you enroll
Bonuses
Available in
days
days
after you enroll
Check your inbox to confirm your subscription