Breaking Down Credit Barriers

This course provides practical, real world credit education that helps professionals better understand the factors that influence credit scores, recognize common credit myths, and identify opportunities that may help borrowers become financing ready.

Whether you're working with first time homebuyers, clients rebuilding after financial hardship, or borrowers who simply need guidance, understanding credit can make a meaningful difference in the conversations you have every day.

Throughout the course, you'll learn:

• How credit scores are calculated

• The differences between FICO and VantageScore

• The impact of payment history, utilization, collections, inquiries, and account age

• Common misconceptions that often lead consumers in the wrong direction

• Practical strategies that may help improve a borrower's credit profile

• Real world examples and case studies that reinforce key concepts

Creditworthy was created by Incite Strategies to provide professionals with practical, easy to understand credit education they can immediately apply with their clients. You'll walk away with knowledge that can help you build stronger client relationships, navigate credit conversations with confidence, and better serve the people who rely on your expertise.

Course Topics

This 4-credit video course will address the following topics:

• Why credit matters and how it impacts lending opportunities;
• Which factors influence lending opportunities;
• The difference between various credit-scoring paradigms (e.g., FICO and Vantage).

Course Content

This course is divided into ten chapters. There are no quizzes or a final exam. After completing the Oregon Real Estate Agency mandated seat time, an Oregon real estate continuing education certificate will be available for printing.