This course provides a look at the internal systems used by lenders to evaluate consumer and business risk. Drawing from over 12 years of experience in debt collection and credit restoration, the curriculum covers technical reporting standards such as Metro-2 and the critical impact of the date of first delinquency. You will learn how internal scoring logic differs from public credit scores and why certain dispute methods often backfire while others succeed. The program is designed to give you a clear understanding of the lending landscape so you can position yourself for successful funding.