Understanding how credit works is the first step to improving it. Our education program is practical, jargon-free, and built around what actually moves the needle.
The Summit Credit Curriculum — 6 Modules
1
How Credit Scores Are Calculated
The five factors (payment history, utilization, length, mix, new inquiries) — what each means, how much it counts, and what you can actually control.
2
Reading and Understanding Your Credit Reports
How to pull your reports, what each section means, how to read tradelines, and how to spot errors that are hurting your score.
3
Disputing Errors the Right Way
The legal dispute process under the FCRA, what you can and can't dispute, how to write dispute letters, and what to do when bureaus don't respond correctly.
4
Using Credit Cards Strategically
Utilization management, payment timing, when to open new accounts, how to handle existing balances, and the card habits that build scores over time.
5
Dealing with Collections and Negative Items
How collections age, when paying helps and when it doesn't, goodwill letter strategies, statute of limitations, and negotiation approaches with collectors.
6
Building and Maintaining Strong Credit Long-Term
The habits, account mix, monitoring practices, and milestone goals that keep your credit healthy as your life evolves.