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Credit Etiquette

Learn How To Understand, Repair, & Build Your Credit Your Own D*mn Self

The Credit Etiquette course is a self-guided e-course that teaches you how to:

  1. Understand your credit report and how credit works
  2. Correct errors on your report without hiring a costly professional
  3. Rebuild and maintain good credit

What's covered in the course?

Module 1: Scrutinize

During this section you will:

  • Learn where to access your reports and how.
  • Discuss the difference between pulling a report from FICO or Credit Karma, Quizzle, etc.
  • Learn how to understand each and every section of your credit report.
  • Learn how to determine what's negative and what's damaging to your score.
  • Learn what's positive and what's needed on your report and how to get more.

Modules 2 & 3: Correct & Restore

During this section you will:

  • Learn the tricks of the trade and how to "clean" your credit report, including how to successfully dispute and remove your credit without hiring a specialist.
  • Identify common incorrect information on the credit report and where to find it on yours.
  • Learn how to understand Statute of Limitations and how to implement it in your case.
  • Learn who to contact to fix incorrect items and the information you will need when contacting them.
  • Learn what to do if you dispute an item and it returns.

Module 4: Understand

During this section you will:

  • Learn the essentials of your healthy credit mix.
  • Learn how grace payment periods work and how long you have until a late payment affects your credit report.
  • Gain a better understanding of common credit issues related to student loans, how they impact your credit, and how to use student loans as a credit building tool.

Module 5: Build

During this section you will:

  • Walk away with an understanding of how to responsibly build credit.
  • Learn the warning signs to look for and how to avoid predatory companies.
  • Receive access to commonly used rebuilding tools that are already available.

Module 6: Sustain

During this module you will:

  • Learn how frequently to check your credit report.
  • Gain an understanding of how to protect your newly improved credit from identity theft and other threats.
  • Learn what to do if you lose your job and aren't able to cover your bills.
  • Complete the course with an understanding of what you need to do to keep good credit.

Plus you'll get over 10 pages of supporting documents, including:

  • a credit report fraud + accuracy checklist
  • dispute letter templates
  • a credit negotiation script
  • a credit building quick guide
  • a credit limit utilization tracker

and more!



Your Instructor


Tonya Rapley
Tonya Rapley

In 2007, Tonya Rapley was fighting for her life in a relationship that was physically, emotionally, and economically abusive. Grounded by resilience and purpose, today Tonya is a highly sought after entrepreneur and coach. Tonya created the award-winning site My Fab Finance in 2013, catapulting her to the forefront as a nationally recognized millennial money expert. She was deemed the “New Face of Wealth Building” by Black Enterprise Magazine.

Selected by TV One as a modern day history maker, Tonya is a full-time entrepreneur, coach and influencer. Tonya has spoken at Bloomberg, Essence Fest, South by Southwest (SXSW), Millennial Week, PepsiCo, Blogging While Brown, BlogHer, Circle of Sisters and a host of colleges and universities.

When she’s not working with individuals, Tonya lends her expertise as a consultant helping both established companies and startups forge meaningful connections with millennial influencers and their audiences. Her client list includes: Fidelity Investments, CouponFollow Prudential, State Farm, SoFi, Autogravity, Consumer Reports, the National Endowment for Financial Education, The California Minority Alliance, and CO-OP Think Financial Services.

A career change-agent committed to empowering disenfranchised communities, Tonya uses her own story and experiences to empower others with tools to change their lives. She has appeared on Forbes, US News, NY Daily News, Cheddar, Buzz Feed, Essence.com, The Root, Credit.com, Cosmopolitan, Reuters, Refinery29, Centric and several other media outlets.

She is a Charlotte, North Carolina, native and holds a Bachelor’s degree in Public Administration from Florida International University and a Masters in Urban Policy Administration from Brooklyn College.


Course Curriculum


  Welcome
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  Scrutinize: How to Properly Read and Assess Your Credit Report
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  Correct: How to Address Errors & Restore Your Report
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  Understand: How Credit Works and Making It Work For You
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  Build: How to Rebuild Your Credit
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  Sustain: How to Keep Your Good Credit
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  Bonus: Conquer Your Credit Masterclass Replay
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Frequently Asked Questions


When does the course start and finish?
The course starts now and never ends! It is a completely self-paced online course - you decide when you start and when you finish.
How long do I have access to the course?
How does lifetime access sound? After enrolling, you have unlimited access to this course for as long as you like - across any and all devices you own.
What if I am unhappy with the course?
We would never want you to be unhappy! If you are unsatisfied with your purchase, contact us in the first 30 days and we will give you a full refund.

Get started now!