🔴 LIVE: 2026 CIC Academy Episode 1 - Orientation on the Credit Information System Act | Credit Information Corporation

Step 1: First, I’d pull my credit report, read it, and break it down piece by piece. Step 2: I’d update all my personal info—remove old addresses and incorrect names, so creditors stop linking outdated data to my profile. Step 3: Make a list of all negative accounts and send disputes (using consumer laws) to delete them from my report. Step 4: Stop going back and forth with the credit bureaus. Focus on building strong evidence for your case with the law behind you. Step 5: Use the CFPB website t

Step 1: First, I’d pull my credit report, read it, and break it down piece by piece. Step 2: I’d update all my personal info—remove old addresses and incorrect names, so creditors stop linking outdated data to my profile. Step 3: Make a list of all negative accounts and send disputes (using consumer laws) to delete them from my report. Step 4: Stop going back and forth with the credit bureaus. Focus on building strong evidence for your case with the law behind you. Step 5: Use the CFPB website t

#BeCreditworthy Episode 6: “Credit Report vs. Credit Score” What is the difference between a credit report and a credit score? While a credit report is a detailed summary of one's credit history, credit score indicates whether you are #creditworthy. In this episode, Credo wonders why he has a low credit score while his credit report looked fine to him. Michelle explains the factors that could have affected his credit score including the regularity of his debt repayments, and how much he repays.