Crushing Your Credit Score

Learn how to raise your credit score, thereby allowing you to get better interest rates on large purchases!

Welcome to Crushing Your Credit Score, where you’ll learn how to raise your credit score, thereby ensuring that you get more favorable interest rates when it comes to financing big purchases through debt.

I’ve heard many people complain that they have no idea how credit scores even work. But the good news is there are just five key components, and they’re pretty easy to grasp with a bit of study. We’ll teach you all that, though, along with how to pull your credit score data from both official and unofficial sources.

Once you know your credit score, raising it is simply a matter or knowing which areas need the most work, and then tackling them accordingly.

I’ll show you how to do that, giving you actionable tips and tricks to raise your credit score either in the short run or the long run, depending on the timing of your goals.

No matter your current skill level, our step-by-step course will give you the tools and resources you need to build or improve your credit history.

This course is divided into three sections, containing 16 videos, as well as a 25+ page workbook containing templates, video notes, and exercises, and other bonuses.

Together, we’ll cover the following topics:

1. The components of a credit score

2. Where to pull your credit score, both officially and unofficially

3. How to improve the various components of your credit score

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Your Instructor

Michelle Waymire, CFA
Michelle Waymire, CFA

My name is Michelle Waymire, and I’m the founder of the Young Scrappy Money Academy, a financial education platform geared towards serving young investors. My passion is providing approachable, actionable financial literacy education to recent graduates, young professionals, artists/entrepreneurs, and LGBTQ+ folx.

I hold my Master’s in Business Administration from the University of Tennessee, I’m a Chartered Financial Analyst (CFA) charterholder, and have been quoted/featured in US News, Glamour, Bustle, local NPR, and many more.

When I’m not helping my clients kick butt at all things money-related, I enjoy baking, self-deprecating humor about avocado toast and Burning Man, and bears. I am a sometimes runner, an all-the-time coffee addict, and once built the Disney castle out of Legos. If you ask nicely, I will show you too many pictures of my dogbabies, Harvey and Momo!

I am also a fiduciary financial advisor and financial coach; you can read about my advisory work at

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Frequently Asked Questions

What if I have zero experience with building credit?
Don’t worry, this is designed for people looking to start from the very beginning. We do our best to take a big complicated topic and break it down into bite-sized chunks, delivered in plain English that anyone can understand! And if you find yourself running into trouble, we’re happy to help you in the dedicated Slack group!
What if I’ve already got a good grip on my credit score?
Even if you’ve been doing this awhile, chances are this course will teach you something new. From easy ways to build credit, to more advanced suggestions for cleaning up past mistakes, we provide ample opportunity to up your money game.
When does the course start and finish?
The course starts now! 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 the course for as long as you like - across any and all devices you own. Plus, this course won't always be offered at this price, as new strategies and information will continually be added. You won't have to pay a penny for any updates, though. Once you purchase, you will receive all updates for free.
How is the course content delivered?
This is a video and text-based course that is taught through short tutorials, PDFs, and corresponding worksheets/exercises. When you register you will receive an enrollment email with your unique login information.
Does this course work for those outside of the United States?
While many of the fundamental principles will translate, you will find that some vocabulary is native to the U.S.
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.
What if you didn’t answer my question just now?
If you don't see your question here, please send me an email at [email protected], and I will send you the information you need!

Credit scores don't have to be a big scary mystery. Join us as we help you build credit, improve credit, or generally crush your credit score!

Get started now!