Credit and Debt Management

  1. Credit Scoring Systems
    1. Credit Score Fundamentals
      1. Purpose and Applications
        1. Risk Assessment Tool
          1. Lending Decisions
            1. Insurance Underwriting
              1. Employment Screening
                1. Rental Applications
                2. Scoring Model Types
                  1. FICO Scoring Models
                    1. Base FICO Scores
                      1. Industry-Specific FICO Scores
                        1. FICO Score Versions
                        2. VantageScore Models
                          1. VantageScore Development
                            1. Calculation Methodology
                              1. Version Differences
                          2. Credit Score Factors
                            1. Payment History
                              1. On-Time Payment Records
                                1. Late Payment Severity
                                  1. Missed Payments
                                    1. Collections and Charge-offs
                                      1. Bankruptcy Impact
                                      2. Credit Utilization
                                        1. Individual Account Utilization
                                          1. Overall Utilization Ratio
                                            1. Balance Distribution
                                              1. Credit Limit Changes
                                              2. Credit History Length
                                                1. Age of Oldest Account
                                                  1. Average Account Age
                                                    1. Account Closure Impact
                                                    2. Credit Mix Diversity
                                                      1. Revolving Credit Accounts
                                                        1. Installment Loan Accounts
                                                          1. Mortgage Accounts
                                                            1. Retail Credit Accounts
                                                            2. New Credit Activity
                                                              1. Recent Credit Inquiries
                                                                1. New Account Openings
                                                                  1. Credit Seeking Behavior
                                                                2. Credit Score Ranges and Interpretation
                                                                  1. FICO Score Ranges
                                                                    1. Poor Credit
                                                                      1. Fair Credit
                                                                        1. Good Credit
                                                                          1. Very Good Credit
                                                                            1. Exceptional Credit
                                                                            2. VantageScore Ranges
                                                                              1. Score Categories
                                                                                1. Lender Interpretation
                                                                                2. Industry-Specific Variations
                                                                                  1. Auto Lending Scores
                                                                                    1. Mortgage Lending Scores
                                                                                      1. Credit Card Scores
                                                                                    2. Credit Score Improvement Strategies
                                                                                      1. Payment Optimization
                                                                                        1. Automatic Payment Setup
                                                                                          1. Payment Timing
                                                                                            1. Catch-up Strategies
                                                                                            2. Utilization Management
                                                                                              1. Balance Reduction
                                                                                                1. Credit Limit Increases
                                                                                                  1. Multiple Payment Strategy
                                                                                                  2. Account Management
                                                                                                    1. Keeping Accounts Open
                                                                                                      1. Strategic Account Closure
                                                                                                        1. Authorized User Benefits
                                                                                                        2. Credit Monitoring
                                                                                                          1. Regular Score Tracking
                                                                                                            1. Report Review Schedule
                                                                                                              1. Alert Systems

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                                                                                                          2. Credit Reporting System

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                                                                                                          4. Types of Credit Products