Boost credit score and reduce interest rates

FinanceBeginnerAnywhere

90 minutes

5 steps

·Beginner

After 90 min: You'll understand credit mechanics and strategically raise your score 50-100 points.

What you need

Credit report accessDebt listPayment planPatience (6-12 months)Discipline

The 90-Minute Plan

Get free credit report0–15 min

Visit annualcreditreport.com. Review for errors. Dispute inaccuracies immediately.

Understand score factors15–35 min

Payment history (35%), utilization (30%), age (15%), inquiries (10%), mix (10%).

Lower utilization ratio35–55 min

Use <30% of credit limit. Pay down balances or request credit limit increases.

Never miss payments55–75 min

Set up autopay for minimums. Late payments devastate scores for 7 years.

Keep old accounts open75–90 min

Length of history matters. Don't close oldest cards even if unused. Strategy takes patience.

Pro Tip

Once score hits 720+, refi debts to save thousands in interest.

90 min·5 steps

FinanceBeginner

After 90 min: Know your credit score and 3 ways to improve it

2,200

see the plan

90 min·5 steps

FinanceBeginner

After 90 min: You'll know exactly where money goes and gain control over discretionary spending.

8,600

see the plan

90 min·5 steps

FinanceIntermediate

After 90 min: You'll understand asset allocation and create a portfolio aligned with your timeline and risk.

9,800

see the plan

90 min·5 steps

FinanceIntermediate

After 90 min: You'll understand blockchain basics and safely hold cryptocurrency if desired.

7,300

see the plan