Credit Resources Library

Welcome!!

Below you’ll find free, easy-to-use tools to help you understand credit, take action responsibly, and improve your financial knowledge — all at your own pace. Click any item to download.

The First 30 Days to Better Credit

Credit Report Review Checklist

Beginner-friendly guide outlining the first steps to improve your credit responsibly.

Learn how to review your credit reports, identify errors, and understand your accounts.

Credit Dispute Letter Templates

Easy-to-use templates to help you dispute inaccurate, outdated, or unverifiable information on your credit report.

Use this worksheet to calculate your debt-to-income ratio and better understand your financial health.

Debt-to-Income (DTI) Worksheet

Quick Summary / Reminder

A short recap of what your users just accessed:

“All of these resources are designed to help you understand your credit and take actionable steps toward financial responsibility — free, at your pace, and with no obligations.”

Disclaimer / Legal Note

You already have individual disclaimers for PDFs, but a general page-wide one helps:

“These resources are for educational purposes only. Young Financial Services does not guarantee credit score improvements. Only dispute information that is inaccurate, outdated, or unverifiable.