Join presenter Brad Edwards for a clear, practical overview of how credit works and how to manage it wisely. In this session, Brad will explain the differences between installment and revolving credit, how interest and repayment terms affect the total cost of borrowing, and simple strategies to reduce debt over time.

You'll also learn how credit scores and reports are created, why they matter, and how lenders, landlords, employers, and insurers use them. Brad will walk through steps to build strong credit, avoid common pitfalls, and protect yourself from identity theft.

Participants will leave with straightforward, actionable guidance to strengthen their credit and improve long‑term financial well‑being.