Credit Education Course

If you are enrolled through the Credit Rebuilder Program, your class will start immediately. Otherwise, you will be invited to enroll in your free education class, 7 Steps to a 720 Credit Score, 30 days after you have completed the second course through Evergreen Financial Counseling. Be on the lookout for an email with your login information. This email will direct you to a portal that contains all the lessons you need to raise your credit score to 720

Watch the first three videos of the sequence, which are the most important. And remember, you can always upgrade to the Credit Rebuilder Program, and we will do the work for you.

Absolutely.  Feel free to share your membership with your family.

Not much. Each video is about 3-8 minutes long. If you do nothing but watch the Welcome Video and implement the action items from the first three videos of the regular series, your credit score will start to increase, and in 12 to 24 months, you will have a 720 credit score (assuming your credit is currently very poor).

Watching the videos and completing the action items from these three videos will take about one hour.

Credit repair programs charge between $89-$119 per month for their service, which don’t always work. Many of them dispute accurate information and try to game the system, which is illegal and unethical.

7 Steps is credit education that explains how the system works, and how you can earn a great credit score. If you follow the techniques we teach, your credit score will go up every time.

Absolutely! This system was designed for people with bankruptcy, foreclosure, or other financial problems. A bankruptcy stays on your credit report for ten years, but keep in mind that a credit report and a credit score are not the same things. By going through our program, you will learn how to rebuild your credit score to 720 in as little as 12 to 24 months.

No! Save your money. We prefer that you don’t pull your credit report or buy your credit score until our program directs you to do so. We do not want you to make the mistake of pulling your information from the wrong place. The program will teach you where to get the best credit report and credit score (for free).

Or, when you join the Credit Rebuilder Program we will help you pull your credit report for free.

Yes. In fact, the 7 Steps to a 720 Credit Score program works faster with people with no credit. From a lender’s perspective, no credit is just as bad as poor credit, so you should start building your credit using the strategies we suggest in the videos. Your score will go up faster than it would if you had a low credit score.

In general, you should have a 720 credit score in 12 to 24 months, but this depends on what your score is right now, and how quickly you can implement the steps. If your score is currently 650, you will have a 720 credit score much faster than if you have a 500.

Regardless, you will start saving money at each credit milestone. For instance, if your score is 550, you can refinance when your score hits 620, and again when it hits 680, and again when it hits 720 and 750.

A 720 credit score is the lowest score you need to ensure great rates.

When you join 7 Steps to a 720 Credit Score, you will be invited to join our live question and answer sessions. Before each call, you will receive a reminder email containing the call-in information. Members of the Credit Rebuilder Program will receive priority during this monthly calls.

7 Steps to a 720 Credit Score is a self-directed course available free of charge to students who have completed Courses 1 and 2 through Evergreen Financial Counseling. Otherwise, it is available as part of the Credit Rebuilder Program.

For best results, you should start 7 Steps to a 720 Credit Score as soon as your bankruptcy is discharged (Chapter 7) or confirmed (Chapter 13). As such, Evergreen will enroll you 30 days after you have completed Evergreen's debt-management course as part of your bankruptcy. This gives your attorney and the bankruptcy courts time to process your bankruptcy.