Your credit score and report influence many of life’s biggest financial decisions—from qualifying for a mortgage to securing the best interest rates. In this SmartFinance Academy webinar, Nathan Collard, PNC Mortgage Loan Officer, will guide you through how credit scores are calculated, why they matter, and how lenders use them to assess applications.

You’ll learn the key elements of a credit report, steps to build and maintain strong credit, and ways to avoid common pitfalls like credit repair scams. The session will also cover your legal rights when disputing errors, the importance of routine monitoring, and proven strategies to strengthen your credit over time.

Whether you’re planning to buy a home, working to recover from past financial challenges, or simply want to be prepared for future opportunities, this session will provide the knowledge and tools to understand, protect, and improve your credit.

Learning Outcomes

By the end of this webinar, participants will be able to:

• Understand the fundamentals of credit scores and reports — including how scores are calculated, the role of credit bureaus, and how lenders use this information.
• Apply strategies to build and improve your credit — such as managing your payment history, using credit responsibly, and planning for debt reduction.
• Protect and manage credit effectively — by disputing errors, monitoring reports regularly, and recognizing the warning signs of credit repair scams.

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