: What is credit, different forms of credit, building credit history & understanding credit reports? How to use credit wisely and solutions to credit issues will also be discussed. Learn techniques to improve your credit score. Now is the perfect time to look at in-depth look at strategies that can help you take control of your finances: 1) basic month-to-month money management 2) Learn what credit reports say and how to improve them and 3) wise use of credit and negotiating with creditors. Light Lunch provide.