Welcome to the Credit Course! No, but seriously the two things that you absolutely need in life would have to be good money management skills & credit! Credit is king and money management is the castle. In this binder you'll learn tips to build and fix your credit all on your own! One thing to note; when it comes to credit, you definitely need patience! So with ordering your credit course binder, be sure to research and take notes to get the biggest boost as possible to your credit scores! (extra notebook paper available for purchase)