Free credit education for families, built on real stories.
We teach families how credit works through free live classes, real testimonials, and practical guides — so you can make informed decisions with confidence.
Good to know: All classes and workshops are 100% free to attend. We never charge for enrollment or attendance. Some downloadable materials are optional and may be offered for a fee — buying materials is never required to attend a class, and attending a class is never required to get the free materials.
Illustrative example only — not a guarantee of your results, and we are not affiliated with Equifax, Experian, or TransUnion.
What actually goes into your credit score
Your score is built from a handful of factors — and once you know what they are, you can make targeted changes instead of guessing. We break each one down in our free classes and guides.
- ✓Payment history— paying on time, every time
- ✓Credit utilization— how much of your available credit you’re using
- ✓Length of credit history— how long your accounts have been open
- ✓Credit mix— the variety of account types you manage
- ✓New credit— how often you’re opening new accounts
Illustrative example only — not a guarantee of your results.