The Credit Academy
Master Your Credit. Transform Your Future.
A comprehensive, self-paced credit literacy program that takes you from understanding your first credit report to building fundable business credit — completely free.
8
Modules
28
Lessons
106+
Exercises
Free
Always
Afua and Company
Business credit consulting firm specializing in building fundable businesses. The Credit Academy is our educational foundation.
Afua Encourages
Our nonprofit arm, making financial literacy accessible to underserved communities, reentry programs, and workforce development organizations.
What You'll Master
Eight comprehensive modules that take you from credit novice to credit expert
Credit Foundations
Understand scores, reports, and the 5 factors that control your credit
Credit Building
Build credit from scratch with secured cards, credit builders, and smart strategies
Dispute Mastery
Your FCRA rights, error identification, and effective dispute letter writing
Business Credit
LLC formation, EINs, Net-30 accounts, and the business credit timeline
Advanced Strategies
Credit stacking, limit increases, and score maximization techniques
Personal Finance
Budgeting, interest rates, investing, and long-term wealth building
Funding Readiness
The 5 C's of lending, SBA loans, and grants vs. loans
Credit for Life
Monitoring, protection, generational wealth, and your action plan
Full Curriculum
Every module, every lesson, every exercise — transparent and comprehensive
How Credit Actually Works
Understand the credit system from the ground up — what scores mean, how they're calculated, and how to read your report like a pro.
What Is a Credit Score?
The number that follows you everywhere
The 5 Pillars of Your Credit Score
What actually moves the needle
Reading Your Credit Report
Your financial story on paper
Credit Myths Exposed
Separating fact from fiction
From Zero to Established
Practical strategies to build credit from scratch, manage debt wisely, and develop habits that keep your score climbing.
Building Credit From Nothing
Starting from zero — the first steps
The Utilization Game
Mastering the balance-to-limit ratio
Debt Management Strategies
Taking control of what you owe
Banking Basics
The foundation under everything
Protecting Your Credit
Learn to identify errors on your credit report, understand your rights under the FCRA, and write effective dispute letters.
Your Rights Under the FCRA
The law that protects your credit
Identifying Errors on Your Report
Finding what doesn't belong
Writing Effective Dispute Letters
The art of the credit dispute
Advanced Dispute Strategies
When basic disputes aren't enough
The LLC Bridge
Bridge the gap between personal credit knowledge and business credit power. Understand entity formation, EINs, and the business credit ecosystem.
Personal vs. Business Credit
Why separation is everything
Entity Formation & EIN
Creating your business identity
Net-30 Vendor Accounts
Your first business credit lines
The Business Credit Timeline
Realistic expectations, month by month
Advanced Credit Strategies
Master credit optimization techniques used by financial professionals — credit stacking, strategic limit increases, and score maximization.
Credit Stacking Strategy
Building multiple credit lines strategically
Strategic Limit Increases
Growing your credit power
Score Maximization Techniques
Advanced moves for the highest possible score
Personal Finance Mastery
Build the financial habits and knowledge that support long-term wealth building — budgeting, saving, investing, and financial planning.
Budgeting That Actually Works
The 50/30/20 framework and beyond
Understanding Interest & APR
How money costs money
Building Wealth Long-Term
Investing basics for beginners
Funding Readiness
Prepare your business to successfully apply for and receive funding — from SBA loans to lines of credit to grants.
What Lenders Look For
The 5 C's of lending
SBA Loan Essentials
Government-backed business funding
Grants vs. Loans
Free money vs. borrowed money
Credit for Life
Maintain excellent credit for the long haul — monitoring strategies, identity protection, and building generational wealth through credit literacy.
Credit Monitoring & Protection
Staying vigilant and protected
Teaching Credit to the Next Generation
Building generational wealth through literacy
Your Credit Action Plan
Putting it all together
Earn Your Certificate
Complete all 8 modules and pass the exercises to earn a verifiable Certificate of Completion from the Afua and Company Credit Academy.
Who Is This For?
First-Time Credit Builders
Just starting your credit journey? We'll take you step by step from zero to established.
Aspiring Entrepreneurs
Ready to build business credit? Learn to create a fundable business entity.
Community Organizations
Use our curriculum for financial literacy workshops, reentry programs, and workforce development.
Students & Young Adults
Get a head start on financial literacy before making expensive credit mistakes.
Credit Recovery
Rebuilding after financial hardship? Learn the strategies to recover and thrive.
Anyone Seeking Knowledge
Financial literacy is for everyone. No prerequisites, no judgment, just education.
Frequently Asked Questions
Ready to Master Your Credit?
Join thousands who have transformed their financial future through the Credit Academy. It's free, self-paced, and waiting for you.