5 credit foundations are:
Accuracy is everything
Collections do the most damage
Late payments have high impact
Balances control your score
Credit repair is a process
The one area that affects me the most would be my collections (understanding how that part of my payment history affects scores)
One Credit Goal for the next 30 days:
How to understand and read my credit report so that I may learn how to read and explain to a client about their credit report.