Course 02
Credit & Borrowing Basics
CoreUnderstand how credit scores work, how to borrow without wrecking your future, and how to read the fine print on offers.
~ 2.5 hours • 8 modules
Links to credit simulators & articles
Course outline
Break down the main score components and understand why on-time payments matter more than weird hacks.
- Payment history, utilization, age of accounts
- Hard inquiries vs soft pulls
- Why “credit myths” keep people stuck
Explore the safe ways to build a credit history without getting trapped in balances you can’t pay off.
- Secured cards vs student cards
- Authorized user vs joint accounts
- Red flags in “credit repair” offers
Walk through a sample offer line-by-line so you know exactly what you’re signing up for.
- APR vs promo APR vs penalty APR
- Annual fees, balance transfer fees, “junk” fees
- What to compare when picking between cards
© Finance For The Future is a free educational portfolio project. It simulates hypothetical outcomes and provides learning materials only. It is not financial, legal, tax, or investment advice.